SIP Calculator
Project what your monthly SIP or one-time investment could be worth at the end of its term — with a clear split between the money you put in and the returns it earns.
Try it
Nothing leaves your deviceEnter your amount, expected return and time period — the projected value appears here.
Projections assume a constant return rate and are for illustration only. Mutual fund returns are market-linked and not guaranteed — this is not investment advice.
How to use this SIP calculator
- Choose the type. Monthly SIP for recurring contributions, or One-time lumpsum for a single investment.
- Enter your numbers: the amount, the annual return you expect to average, and how many years you'll stay invested.
- Press Calculate. You'll see the projected corpus, how much of it came from your pocket versus market returns, plus the breakdown bar.
- Compare scenarios. Change the years or rate and calculate again — small changes over long periods show up fast. Copy any result with one click.
Useful information
A Systematic Investment Plan (SIP) invests a fixed amount on a regular schedule, usually in a mutual fund. Because each contribution stays invested and compounds, time does most of the heavy lifting — which is why starting early matters more than starting big.
The formula behind the number
For a monthly SIP: FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i = annual rate ÷ 12 ÷ 100, and n = years × 12. The final (1 + i) reflects the beginning-of-month contribution. A lumpsum is simply FV = P × (1 + r)^t.
Why the returns split matters
Early on, almost all of the corpus is money you contributed. The longer it runs, the more the “returns” slice takes over — that crossover is compounding at work. The bar in the result shows exactly where your projection sits today.
SIP vs lumpsum
A lumpsum theoretically earns more when markets rise steadily, because every rupee compounds from day one. A SIP averages your purchase price across highs and lows, reducing the risk of investing everything at a peak — for most salaried investors that trade-off is worth more than the theoretical edge.
For debt-style math on loans and interest, see the Compound Interest Calculator and EMI Calculator.
Frequently asked questions
How is a SIP's future value calculated?
With FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the monthly return rate (annual rate ÷ 12) and n is the number of months. Each contribution compounds until the end of the term.
What return rate should I assume?
Whatever you believe your fund can average — many people model Indian equity mutual funds at 8–12% per year and debt funds lower. Treat it as an assumption, not a promise: actual market returns vary every year.
SIP or lumpsum — which grows more?
For the same total outlay, a lumpsum invested today compounds for longer, so it usually projects higher. A SIP spreads risk across market ups and downs, which is its real advantage — not a higher expected return.
Does this account for step-up SIPs, taxes or inflation?
No — this calculator models a constant monthly amount and a fixed return rate. It ignores annual step-ups, expense ratios, taxes and inflation, so treat the output as an estimate rather than a plan.
Are my numbers stored?
No. The calculation runs entirely in your browser — amounts and rates are never sent to a server or saved by Jivora.