Future value of a monthly SIP with returns, a chart and optional yearly step-up.
Quick answer
You invest ₹6,00,000 in total and the expected value after 10 years is ₹11,61,695, a gain of ₹5,61,695 at an assumed 12% a year. Real returns vary and are not guaranteed.
| Years | Amount invested | Expected value |
|---|---|---|
| 5 | ₹3,00,000 | ₹4,12,432 |
| 10 | ₹6,00,000 | ₹11,61,695 |
| 15 | ₹9,00,000 | ₹25,22,880 |
| 20 | ₹12,00,000 | ₹49,95,740 |
| 25 | ₹15,00,000 | ₹94,88,175 |
These figures are computed with the same formulas as the SIP Calculator above. Change the inputs in the tool to see your own result. For a full table, see SIP returns chart.
The SIP Calculator shows what a regular monthly investment could grow to. Enter how much you invest each month, the return you expect per year and the number of years, and it shows the amount you invest, the estimated returns and the final value, with a chart and a year-by-year table. Add a yearly step-up to see how raising your monthly amount as your income grows changes the result. It works for a systematic investment plan (SIP) in a mutual fund, or any habit of investing the same amount every month, in any currency.
Made for everyone. Typical uses:
Investing 5,000 a month for 10 years at 12 percent a year means you put in 6,00,000 and the estimated value is 11,61,695, of which 5,61,695 is returns. Keep going for 20 years and the same 5,000 a month becomes about 49,95,740 from 12,00,000 invested. Raising the monthly amount by 10 percent every year for 10 years lifts the final value to about 16,87,163 on 9,56,245 invested.
The calculator assumes a constant yearly return, investments at the start of each month, and no fees, exit loads or taxes. Real market returns move up and down and can be negative, so treat the result as an illustration, not a forecast or a promise.
Accuracy: Formulas follow standard published methods and are checked against worked reference examples. Results are estimates based on the values you enter and do not replace advice from a qualified professional.
Expert Tip
Run the calculation at two or three different returns, for example 8, 10 and 12 percent, and plan around the lower one. If the goal still works, the plan is robust.
A systematic investment plan, or SIP, is a way of investing a fixed amount at regular intervals, usually every month, instead of investing a large sum at once. It is most closely associated with mutual funds, but the idea works for any investment you can buy in small amounts: you commit to a number, automate it and let time do the work.
The appeal is discipline. You do not have to decide when to invest or try to guess whether the market is high or low. Every month the same amount buys more units when prices are down and fewer when they are up, which smooths the average price you pay over time. That does not remove risk, but it makes investing a habit rather than a decision you keep postponing.
The calculator adds your monthly amount at the start of each month, then grows the balance by the yearly return divided by twelve. This is the standard formula for the future value of a series of payments: M = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the monthly rate and n is the number of months.
For 5,000 a month at 12 percent for 10 years, you invest 6,00,000 in total and the estimated value is 11,61,695, so 5,61,695 is returns. Extend the period to 15 years and the value becomes about 25,22,880 from 9,00,000 invested. At 20 years it is about 49,95,740 from 12,00,000 invested. The last five years add almost as much as the first fifteen combined, which is compounding at work.
Because returns build on earlier returns, the length of time matters more than the size of the monthly amount. Compare two savers. One invests 10,000 a month for 10 years and ends with about 23,23,391. The other invests only 2,500 a month, but for 20 years, and ends with about 24,97,870 from just 6,00,000 invested. The second person invests a quarter of the monthly amount for twice as long and ends with more.
The practical lesson is to start now with whatever you can afford and raise the amount later, rather than waiting until you can invest a large sum. Every year of delay removes the years that would have grown the most.
Most people earn more over time, and a step-up SIP raises the monthly amount by a fixed percentage every year. Starting at 5,000 a month and adding 10 percent each year for 10 years at 12 percent means you invest about 9,56,245 in total and end with about 16,87,163, compared with 11,61,695 for a flat 5,000. You invest 60 percent more, and the outcome is 45 percent higher.
A step-up matches a normal career better than a flat SIP, and it protects against inflation eating into the real value of a fixed amount. Choose a step-up you are confident you can sustain. A modest 5 to 10 percent is easier to keep up than an ambitious figure you abandon after two years.
The return is the assumption that moves the result most, and it is also the one nobody knows. At 8 percent, 5,000 a month for 10 years grows to about 9,20,828; at 10 percent, about 10,32,760; at 12 percent, about 11,61,695. A four-point difference in the return changes the outcome by about 2,40,000.
The Compound Interest Calculator shows the same idea with a starting balance and different compounding periods. Use the CAGR Calculator to work out the real yearly growth of an investment you already hold, the Inflation Calculator to see what the final amount will actually buy, and the Retirement Calculator to check whether your saving rate is enough for the long term. If you prefer a guaranteed return, compare with the FD Calculator. The article how compound interest works explains the maths behind all of them.
This tool is an estimate and not investment advice. Nothing you enter is stored or sent: the calculation runs in your browser.
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Reference table with CSV download.
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