SIP Calculator
Enter a monthly amount, an expected yearly return and a period. You get the estimated value at the end, how much you put in and the gain, with a year-by-year table.
An assumption, not a forecast.
Value at the end
₹11,61,695
After 10 years at 12% a year
- You invest
- ₹6,00,000
- Estimated gain
- ₹5,61,695
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Year by year
| Year | Invested | Value |
|---|---|---|
| Year 1 | ₹60,000 | ₹64,047 |
| Year 2 | ₹1,20,000 | ₹1,36,216 |
| Year 3 | ₹1,80,000 | ₹2,17,538 |
| Year 4 | ₹2,40,000 | ₹3,09,174 |
| Year 5 | ₹3,00,000 | ₹4,12,432 |
| Year 6 | ₹3,60,000 | ₹5,28,785 |
| Year 7 | ₹4,20,000 | ₹6,59,895 |
| Year 8 | ₹4,80,000 | ₹8,07,633 |
| Year 9 | ₹5,40,000 | ₹9,74,108 |
| Year 10 | ₹6,00,000 | ₹11,61,695 |
- Investments are assumed at the start of each month and the return is assumed constant. Real returns vary and are not guaranteed.
How a SIP grows
A SIP (systematic investment plan) puts a fixed amount in every month. Each instalment earns the assumed return from the day it is invested, so earlier instalments grow for longer.
Most of the growth in long plans comes from returns on earlier returns (compounding). That is why the gain column grows faster than the invested column over time.
The rate you enter is an assumption, not a forecast, and real returns vary. Try a lower and a higher rate to see the range.
The formula
Value = monthly amount × ((1 + i)^n − 1) ÷ i × (1 + i), where i is the yearly rate ÷ 12 ÷ 100 and n is the number of months. Instalments are assumed at the start of each month.
Common questions
How do I calculate the future value of a SIP?
Use the future value of an annuity formula with the monthly rate. The calculator applies it and shows each year.
What return should I enter?
There is no guaranteed return. Use a cautious figure and test a few. Past returns of any fund do not predict future ones.
Does this include fees, expense ratio or tax?
No. Fees and tax lower the result you actually receive, so allow for them separately.
Is this financial advice?
No. It is arithmetic on the numbers you enter. Talk to a qualified adviser for decisions about your money.
Keep your money notes in one place
SparkyLive is a personal capture hub for receipts, contact notes and photo memories, so the papers behind your plans are easy to find later.
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