Calculator
Enter your monthly investment, expected annual return, and investment duration.
SIP maturity value Rs. 0
Total investment Rs. 0
Estimated gains Rs. 0
Total step-up increase Rs. 0
Scenario comparison
Compare SIP options
Test two SIP plans side by side and quickly spot the option with the highest estimated maturity value.
| Scenario | Monthly SIP | Return | Years | Step-up | Total investment | Estimated value | Estimated gains |
|---|
| Add scenarios and compare to see the outcome. |
Year-wise SIP growth
Follow the estimated annual journey of your SIP investment.
| Year | Total investment | Estimated value | Estimated gains |
|---|
| Your projection will appear here. |
Last updated: May 2026
SIP planning guide
A SIP is powerful not because it is complex, but because it builds discipline quietly over time. This calculator helps salaried professionals, young investors, and families estimate how a monthly investment may grow under different return and duration assumptions.
How this calculator helps you
- Estimate future value from a monthly SIP.
- Compare investment, estimated gains, and maturity value.
- Check whether your SIP is close to a goal amount.
- Understand the impact of return assumptions and time.
- Plan a next step without treating the result as advice.
Example: Rs. 10,000 monthly SIP for 15 years
If you invest Rs. 10,000 every month for 15 years at an assumed 12% annual return, your total investment is Rs. 18,00,000 and the estimated value is about Rs. 50.5 lakh. The difference shows how compounding may help when you stay consistent for a long period.
Scenario comparison
| Assumption | Annual return | Estimated value for Rs. 10,000 monthly SIP over 15 years |
|---|
| Conservative | 8% | About Rs. 34.8 lakh |
| Moderate | 10% | About Rs. 41.8 lakh |
| Growth-oriented | 12% | About Rs. 50.5 lakh |
What this result means
If the target SIP looks high, it does not mean the goal is impossible. You can extend the timeline, start smaller, add step-ups when income grows, or combine monthly SIP with occasional lump sum savings.
Smart planning tips
- Connect each SIP to a named goal.
- Use more than one return assumption.
- Review your SIP once a year.
- Increase SIP gradually when income improves.
- Keep emergency money separate from long-term investments.
Common SIP mistakes to avoid
- Using one high return assumption for every goal.
- Stopping during market volatility without reviewing the goal.
- Ignoring inflation for education or retirement goals.
- Not increasing SIP as income grows.
- Choosing products without understanding risk.
Formula explained simply
Future value depends on the monthly SIP amount, the monthly return assumption, and the number of months invested.
Formula: FV = P x [((1 + r)n - 1) / r] x (1 + r), where P is SIP amount, r is monthly return, and n is total months.
Assumptions
This calculator assumes regular monthly investment, a consistent expected return, and no withdrawals. Actual results may vary due to market performance, fees, taxes, timing, and investor behavior.
Frequently asked questions
What is a good SIP amount for beginners?
A good amount is one you can continue comfortably after expenses and emergency savings. Even a small SIP can build discipline.
Can SIP help me plan for Rs. 1 crore?
It can help estimate the monthly investment needed for that target under your duration and return assumptions.
Is 12% a realistic assumption?
It is commonly used as an illustration for equity-oriented long-term planning, but actual returns can be lower or higher.
Should I use SIP or lump sum?
SIP suits regular income and gradual investing. Lump sum may suit money already available, but timing risk should be understood.
What if I stop SIP midway?
Your existing investment may continue to move with market performance, but future contributions and compounding time reduce.
How often should I review SIP?
Review once or twice a year, especially when income, goals, or timelines change.
Plan your next step
Trust note
CalcToPlan calculators are designed for educational and planning purposes only. The results are estimates based on the inputs provided by you. They should not be treated as investment, tax, legal, loan, retirement, or financial advice. Please consult a qualified professional before making major financial decisions.
