Project your mutual fund SIP's maturity value in seconds — with inflation-adjusted purchasing power, a principal-vs-gains chart, and a year-wise growth schedule.
| Year | Invested | Interest Earned | Total Balance |
|---|
Key Takeaways
- SIP maturity value depends on four things: monthly amount, expected annual return, tenure, and how early you start — the earlier you start, the more months of compounding you capture.
- Most of the final corpus comes from returns, not contributions, once the tenure crosses 15–20 years, because compounding accelerates in the later years of a SIP far more than in the early years.
- Inflation quietly erodes the final number. A large maturity value years from now buys less than the same amount today — the inflation-adjusted figure above shows what your corpus is actually worth in today's rupees.
What This SIP Calculator Does
A SIP (Systematic Investment Plan) is a fixed amount invested into a mutual fund every month rather than as one lump sum, so market ups and downs get averaged out over time. This calculator projects what that monthly habit grows into: it applies the standard compound-growth SIP formula the instant you move a slider, splits the result into how much you actually invested versus how much came from growth, and layers on an inflation adjustment so you see the number in today's purchasing power, not just a large but misleading future figure. It's built for Indian investors first — amounts are grouped in lakh and crore rather than the international thousand/million style, and the default 12% return and 6% inflation assumptions reflect commonly cited long-term averages for Indian equity mutual funds and retail inflation.
Everything runs entirely in your browser. No amount, rate, or tenure you enter is sent to a server, logged, or stored anywhere — close the tab and it's gone. There's no signup, no email wall, and no ads inside the calculator itself. Whether you're comparing a fund's projected SIP return, planning toward a goal like a house down payment or retirement corpus, or just curious what a monthly habit could become, adjust the sliders and the maturity value, inflation-adjusted value, and growth chart update instantly.
How to Use This SIP Calculator
Enter your Monthly Investment using the input box or the slider — it's shown with Indian comma grouping (lakh/crore) once the figure gets large, and the helper text below it shows how much that adds up to per year. Set the Expected Return Rate to whatever annual return you want to project; long-term index or equity fund history is a reasonable anchor, though no future return is guaranteed. Set the Time Period in years, and the Expected Inflation Rate if you want to see the maturity value in today's purchasing power — set inflation to 0% to switch that adjustment off.
The maturity value, invested amount, wealth gain, and chart all update instantly with every change — there is no "Calculate" button. A monthly investment or tenure of zero is not accepted and the calculator holds the last valid value. A 0% return rate is allowed and simply totals your contributions with no growth, which is useful for comparing a SIP against a plain savings habit. The donut chart shows what share of the final corpus is your own money versus market growth, and the year-wise table below it shows how that balance builds year over year.
The SIP Formula, Explained
A SIP's maturity value is calculated with the standard future-value-of-an-annuity-due formula, since each month's investment is assumed to go in at the start of the month:
M = P × [((1 + i)n - 1) / i] × (1 + i)
Where M is the maturity value, P is the fixed amount invested every month, i is the monthly rate of return (the annual expected return divided by 12, then by 100), and n is the total number of monthly investments (tenure in years multiplied by 12).
Worked example: Take a SIP of P = INR 25,000 per month at an expected annual return of 12% for a tenure of 10 years.
- Monthly rate: i = 12 / 12 / 100 = 0.01
- Number of installments: n = 10 × 12 = 120
- (1 + i)n = (1.01)120 ≈ 3.3004
- M = 25,000 × [(3.3004 - 1) / 0.01] × 1.01 ≈ INR 58,08,477
Over 120 months you'd have invested INR 30,00,000 of your own money, so roughly INR 28,08,477 of the final corpus came purely from compounding. Adjusted for 6% annual inflation over the same 10 years, that INR 58,08,477 is worth about INR 32,43,423 in today's purchasing power — a useful reminder that a headline maturity number and its real value can differ substantially over a long tenure.
SIP Reference Table: Common Investment Scenarios
The table below shows the projected maturity value for common monthly SIP amounts at a 12% assumed annual return (unless noted), so you can sanity-check the calculator's output or estimate a corpus without touching the sliders.
| Monthly SIP | Rate (p.a.) | Tenure | Invested | Maturity Value | Wealth Gain |
|---|---|---|---|---|---|
| INR 5,000 | 12% | 10 yrs | INR 6 Lakh | INR 11.62 Lakh | INR 5.62 Lakh |
| INR 10,000 | 12% | 15 yrs | INR 18 Lakh | INR 50.46 Lakh | INR 32.46 Lakh |
| INR 15,000 | 12% | 20 yrs | INR 36 Lakh | INR 1.50 Crore | INR 1.14 Crore |
| INR 25,000 | 12% | 10 yrs | INR 30 Lakh | INR 58.08 Lakh | INR 28.08 Lakh |
| INR 50,000 | 12% | 20 yrs | INR 1.2 Crore | INR 5.00 Crore | INR 3.80 Crore |
Quick Definitions
SIP (Systematic Investment Plan) is a method of investing a fixed sum into a mutual fund at regular intervals, typically monthly, instead of investing a lump sum all at once. Rupee-cost averaging is the effect this creates: since a fixed amount buys more fund units when the market is down and fewer when it's up, the average purchase cost smooths out over time compared to a single lump-sum entry point.
Frequently Asked Questions
Apps often use a fund's actual historical CAGR, apply daily rather than monthly compounding, or factor in expense ratios and exit loads. This calculator uses a clean monthly-compounding formula on the return rate you enter, so treat both figures as estimates, not guarantees.
This calculator assumes a flat monthly amount for the full tenure. A step-up SIP, where you raise the monthly amount each year in line with rising income, compounds to a noticeably larger corpus than the flat figure shown here for the same starting amount.
The formula assumes every installment is paid on time. A few missed months simply reduce the total invested and the resulting corpus roughly in proportion — it doesn't invalidate the SIP, but the actual maturity value will be somewhat lower than a calculator run assuming no gaps.
Neither is universally better. A lump sum invested at the very start can outperform a SIP if markets rise steadily, while a SIP tends to do relatively better through volatile or falling markets because of rupee-cost averaging. The right choice depends on how much you have available upfront and your comfort with timing the market.
It reframes a large future number into what it can actually buy. A goal like a child's education or a retirement corpus should be planned against the inflation-adjusted figure, not the nominal one, or the target will fall short of what it needs to cover by the time you reach it.
No. Every calculation runs locally in your browser using JavaScript; nothing you type is transmitted to any server, logged, or saved once you close or refresh the page.