Project SIP maturity, invested amounts, and gains for monthly investments. Enter your monthly SIP, annual rate, and duration. 100% private and offline.
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Quick answer: SIP Calculator — SIP maturity & gains Free, no signup, runs in your browser. See below for the interactive tool, 4-step guide and FAQs.
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Maturity comes from FV = M×((1+mr)^n−1)÷mr×(1+mr), where M is monthly SIP, mr is annual÷12÷100, and n is months. For example, Rs 5,000 monthly at 12% for 10 years gives mr=0.01 and n=120, with Rs 6,00,000 invested growing near Rs 11.5 lakh. Gains compound monthly throughout. See /terms.
No. It is an educational projection only, never financial advice. Market swings, expense ratios, taxes, and exit loads are excluded from every figure. For example, 12% versus 10% over 10 years changes maturity by lakhs of rupees. Consult a qualified professional and see /terms before investing.
Yes. SIP monthly math stays fully yours on this phone. SIP tenure sums run here with no dispatch and no sign-up. For instance, Rs 10,000 monthly holds private, requires no network, and vanishes on shut. It is study figures only, not advice. See /terms.
It is an illustrative projection assuming fixed monthly compounding at one constant rate. Real NAVs fluctuate and exact SIP dates change outcomes. For example, 12% assumed versus 9% realized cuts maturity sharply over 10 years. Past performance never guarantees future returns, so consult a professional and see /terms.
Escalating contributions suit salaried investors expecting appraisals, since a 10% yearly increment on Rs 5,000 lifts 10-year maturity near Rs 17,40,000 versus Rs 11,50,000 flat. Automate escalation anniversary alongside emergency buffers, equity glidepath reviews, and insurance coverage so lifestyle inflation never cannibalises surplus deployment discipline.
Neither vehicle dominates universally; staggered SIPs smooth entry volatility across 120 monthly purchase points, while one-time deployments compound longest when markets climb steadily. Compare Rs 6,00,000 lump-sum near Rs 18,60,000 versus Rs 5,000 monthly near Rs 11,50,000 at 12% over decade, weighing cash availability, valuation comfort, and diversification horizon before committing capital tranches.
Future value uses FV = M×((1+mr)^n−1)÷mr×(1+mr), where M is monthly investment, mr is annual÷12÷100, and n is months. For example, Rs 5,000 monthly at 12% for 10 years gives mr=0.01 and n=120, so Rs 6,00,000 invested grows to maturity near Rs 11,50,000 with gains near Rs 5,50,000. Presets clarify sensitivity: same Rs 5,000 for 10 years reaches near Rs 10,32,000 at 10% and near Rs 8,65,000 at 7%. Table — Horizon | Invested | Projected at 12%: 5yr | Rs 3,00,000 | Rs 4,12,000; 10yr | Rs 6,00,000 | Rs 11,50,000; 15yr | Rs 9,00,000 | Rs 24,97,000. Edge case: skipped installments or mid-year pauses lower n and compounding rhythm. Limitation: fixed-rate maths excludes NAV volatility, expense ratios, exit loads, and taxation. Compare lump sums via /compound-interest-calculator and See /terms.
Enter monthly SIP amount, expected annual return, and duration; projection assumes fixed monthly compounding on one debit date. A 10% yearly step-up dramatically beats flat SIPs because later, larger installments still compound for years. Table — Plan | Total invested | Projected at 12% over 15 years: flat Rs 5,000 | Rs 9,00,000 | Rs 24,97,000; step-up Rs 5,000 rising 10% yearly | Rs 17,10,000 | Rs 52,90,000, about Rs 28,00,000 extra. SIP versus lumpsum contrast: Rs 6,00,000 one-time at 12% for 10 years reaches near Rs 18,60,000, while staggered Rs 5,000 monthly totals Rs 11,50,000 because early lump-sum months compound longest. Edge case: step-up pauses during job gaps revert maths toward flat trajectory. Limitation: salary growth, fund downtime, tracking error, and capital-gains slabs stay excluded. Stress-test 10% versus 12% beside /compound-interest-calculator and See /terms.
If maturity falls short, raise monthly amount, extend duration, or add yearly step-up to close gaps without chasing returns. For example, lifting Rs 5,000 to Rs 7,500 at 12% for 10 years moves maturity from near Rs 11,50,000 toward Rs 17,25,000, while stretching Rs 5,000 from 10 to 12 years moves near Rs 11,50,000 toward Rs 14,90,000. Revisit allocations yearly, rebalance equity-debt mix, automate debits just after salary, and keep emergency corpus separate covering six months essential expenses so redemptions never interrupt compounding. Edge case: stopping SIPs in crashes locks losses and forfeits recovery units. Limitation: projections ignore behavioral gaps, distributor commissions, fund mergers, and regulatory shifts. Model methodology at /methodology, confirm personal choices with qualified professional, compare /retirement-calculator goals, and see /terms before investing.