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SIP Calculator
Example: investing ₹5,000 every month for 10 years at 12% expected return grows to ₹11,61,695, of which ₹5,61,695 is estimated returns.
SIP Calculator
₹
%
yrs
Maturity value
Total invested
₹6,00,000
Est. returns
₹5,61,695
Total investedEst. returns
Market returns are not guaranteed — this is an illustration, not advice.
Estimates for information only — not financial, tax or investment advice. Rates and rules change; confirm with an official source or a qualified professional. Disclaimer
How the sip maturity is calculated
FV = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i the monthly return (annual ÷ 12) and n the number of months. Instalments are assumed at the start of each month.
Important: returns are not guaranteed
Mutual fund returns vary with markets; the expected-return figure is an assumption for illustration. Past performance does not guarantee future results — read scheme documents or speak to a SEBI-registered adviser before investing.
₹5,000 per month at 12% over time
| Period | Invested | Returns | Maturity value |
|---|---|---|---|
| 3 years | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 5 years | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 10 years | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
| 15 years | ₹9,00,000 | ₹16,22,880 | ₹25,22,880 |
| 20 years | ₹12,00,000 | ₹37,95,740 | ₹49,95,740 |
| 25 years | ₹15,00,000 | ₹79,88,175 | ₹94,88,175 |
| 30 years | ₹18,00,000 | ₹1,58,49,569 | ₹1,76,49,569 |
Frequently asked questions
What will ₹5,000 per month become in 10 years?
About ₹11,61,695 at 12% (₹6,00,000 invested + ₹5,61,695 estimated returns).
Can I change the rate of return?
Yes — edit the rate field in the calculator; results update instantly.
Is my data stored?
No. All calculations run in your browser and nothing is sent to a server.