What you put in
The instalment, as a standing instruction would take it.
Twenty thousand
The same amount every month. A step-up is not assumed.
How long, and on what return
The two assumptions that decide what it becomes.
A long-run average. Real returns vary year to year, and a poor run early costs more than the same run later.
Your result
Fill in the fields to see what it grows to.
What it grows to
₹1.84 Crs
Putting in ₹20,000 a month for 20 years comes to ₹48 Lakhs of your own money. At a steady 12% it grows to ₹1.84 Crs, or 3.8 times what you put in.
Over 20 years, the ₹48 Lakhs you put in grows to ₹1.84 Crs: ₹1.36 Crs of it is growth.
| Part | Amount |
|---|---|
| Your money | ₹48 Lakhs (26.1%) |
| Growth | ₹1.36 Crs (73.9%) |
| Total | ₹1.84 Crs |
- What you put in
- ₹48 Lakhs26.1%
- Return
- ₹1.36 Crs73.9%
AssumptionsShowHide
- Instalments land
- at the start of each month
- Monthly rate used
- compounds to the annual figure
- Instalment
- the same every month
- Returns
- steady, month on month
- Tax on gains
- not deducted
A steady return is an illustration, not a forecast. Real returns arrive unevenly, and a poor run early in the term costs more than the same run late. Tax on gains is not deducted here.
Illustrative projection, not advice. Nothing you enter is stored.
Year-by-year ledgerShowHide
| Year | Invested so far | Growth this year | Closing value |
|---|---|---|---|
| Year 1 | ₹2,40,000 | ₹15,330 | ₹2,55,330 |
| Year 2 | ₹4,80,000 | ₹45,970 | ₹5,41,300 |
| Year 3 | ₹7,20,000 | ₹80,286 | ₹8,61,585 |
| Year 4 | ₹9,60,000 | ₹1,18,720 | ₹12,20,306 |
| Year 5 | ₹12,00,000 | ₹1,61,767 | ₹16,22,072 |
| Year 6 | ₹14,40,000 | ₹2,09,979 | ₹20,72,051 |
| Year 7 | ₹16,80,000 | ₹2,63,976 | ₹25,76,027 |
| Year 8 | ₹19,20,000 | ₹3,24,453 | ₹31,40,480 |
| Year 9 | ₹21,60,000 | ₹3,92,188 | ₹37,72,668 |
| Year 10 | ₹24,00,000 | ₹4,68,050 | ₹44,80,718 |
| Year 11 | ₹26,40,000 | ₹5,53,016 | ₹52,73,734 |
| Year 12 | ₹28,80,000 | ₹6,48,178 | ₹61,61,912 |
| Year 13 | ₹31,20,000 | ₹7,54,759 | ₹71,56,671 |
| Year 14 | ₹33,60,000 | ₹8,74,131 | ₹82,70,802 |
| Year 15 | ₹36,00,000 | ₹10,07,826 | ₹95,18,628 |
| Year 16 | ₹38,40,000 | ₹11,57,565 | ₹1,09,16,193 |
| Year 17 | ₹40,80,000 | ₹13,25,273 | ₹1,24,81,466 |
| Year 18 | ₹43,20,000 | ₹15,13,106 | ₹1,42,34,572 |
| Year 19 | ₹45,60,000 | ₹17,23,479 | ₹1,61,98,051 |
| Year 20 | ₹48,00,000 | ₹19,59,096 | ₹1,83,97,147 |
Before you rely on these numbers
- This is an illustrative tool, not investment advice and not a recommendation to buy or sell any security or product.
- Every figure is a projection built on the assumptions shown, which you can change. Actual returns vary and can be negative.
- Returns are assumed to be steady year on year. Real markets are not, and a poor sequence of returns close to your goal changes the outcome even when the average does not.
- Figures are before tax, exit loads and fund charges, and assume every contribution is made on time.
- Nothing you type is sent anywhere. The calculation runs entirely in your browser and nothing is stored.
What is a SIP?
A SIP (Systematic Investment Plan) is a way to invest a fixed amount in a mutual fund every month through an automatic debit from your bank account. Because you invest the same amount regularly, you buy more units when prices are low and fewer when they're high. Over long periods, the returns on your returns (compounding) do most of the heavy lifting.
How to use the SIP calculator
- Enter your monthly investment. This is the amount your SIP will debit each month.
- Choose the investment period. Pick anywhere from 1 to 50 years.
- Set the expected annual return. Choose between 3% and 14%.
The calculator shows your final amount, splits it into what you put in and what you earned, and charts how your money grows year by year.
How are SIP returns calculated?
This SIP return calculator uses the standard future-value formula for instalments invested at the start of each month:
M = P × [((1 + i)ⁿ − 1) / i] × (1 + i)
- M
- is the maturity amount
- P
- is the monthly SIP amount
- i
- is the monthly rate that compounds to your annual return: (1 + annual return)^(1/12) − 1
- n
- is the number of monthly instalments
Worked example: ₹20,000 a month for 20 years at 12% a year. Here i is about 0.949% (0.009489) and n = 240. You invest ₹48 lakhs in total, and it grows to about ₹1.84 crores. That's roughly ₹1.36 crores in returns, or 3.8 times what you put in.
How much can a SIP grow? (at 12% a year)
| Monthly SIP | 10 years | 15 years | 20 years |
|---|---|---|---|
| ₹5,000 | ₹11.2 Lakhs | ₹23.8 Lakhs | ₹45.99 Lakhs |
| ₹10,000 | ₹22.4 Lakhs | ₹47.59 Lakhs | ₹91.99 Lakhs |
| ₹20,000 | ₹44.81 Lakhs | ₹95.19 Lakhs | ₹1.84 Crs |
Illustrative figures at a steady 12% a year. Real returns vary.
SIP Calculator FAQs
SIP Calculator
At 12% a year, you'd need to invest about ₹10,900 a month for 20 years, about ₹21,000 a month for 15 years, or about ₹5,900 a month for 25 years. The longer you stay invested, the less you need to put in each month.
It depends on the fund. Equity mutual funds have historically delivered higher long-run returns than debt funds, but with much bigger swings along the way, and past performance doesn't guarantee future returns. Try a cautious rate and an optimistic one in the calculator to see the range.
No. Mutual fund returns are market-linked and change from year to year. They can even be negative over short periods. The calculator uses a steady return to show how compounding (opens in new tab) works, not to predict what you'll actually get.
SIP calculators differ in two main ways: whether instalments are invested at the start or end of the month, and how the monthly rate is worked out. Many calculators simply divide the annual return by 12, so 12% actually compounds to about 12.68% a year and shows a higher result. This calculator uses a monthly rate that compounds to exactly the annual return you choose, so 12% means 12% a year, the same way fund returns are quoted.
No. Results are shown before tax. Mutual fund gains are taxed when you redeem, and the rate depends on the fund type and how long you've held it. Check the current rules or speak to a tax adviser.
No. The final value is in future rupees. For example, at 6% inflation (opens in new tab), ₹1.84 crores in 20 years would buy roughly what ₹57 lakhs buys today.
It depends on your situation. A SIP suits regular income and spreads your purchases across market ups and downs. A lump sum (opens in new tab) puts all your money to work at once, which can earn more in a rising market but carries more timing risk. This calculator covers monthly SIPs only.
Usually less than you'd think. Early on, your invested amount is small, and your ongoing instalments buy more units at lower prices. A fall near the end of your SIP does more damage, because most of your money is invested by then.
Most funds offer a step-up (top-up) option that raises your SIP each year. This calculator assumes a fixed amount, so a step-up SIP would grow to more than the figure shown.
Your SIP normally continues with the next instalment, though your bank may charge for a failed debit. The calculator assumes every instalment is paid on time.
No. Nothing you enter in this SIP calculator is stored.
Still have questions? Write to us at help@time.money
You May Also Like
SWP Calculator(Systematic Withdrawal Plan)
See whether a corpus can fund a monthly withdrawal for as long as you need it to, with the tax on each instalment, and what would be left at the end.
Illustrative example, not advice.
Home Loan EMI Calculator(Equated Monthly Instalment)
Work out the monthly EMI on a home loan, how much of what you repay is interest, and when the loan ends, with what an extra payment each month would save.
Illustrative example, not advice.
FD Calculator
See what a fixed deposit is worth on the day it matures, how much of that is interest, and what it pays you instead as regular income, monthly to yearly.
Illustrative example, not advice.
Page last updated: