Finance calculator
SIP Calculator - Monthly Investment Returns
Calculate SIP maturity value, total invested amount, and estimated returns for recurring monthly investments with editable amount, return, and duration.
Monthly investing
Compare SIP outcomes with realistic return assumptions
A SIP projection is a scenario, not a promise. The monthly amount, expected annual return, and duration explain the result, but real investments move unevenly and may include fees, taxes, exit loads, and product risk.
Use the calculator to compare contribution size and time horizon first. A longer duration can matter as much as a higher expected return because each monthly investment has more time to compound.
Before using the result
- Keep monthly contribution, duration, and return assumption from the same plan.
- Run conservative, expected, and optimistic return scenarios.
- Check fees, taxes, liquidity, and product risk before investing.
FormulaFV = P x (((1 + i)^n - 1) / i) x (1 + i)
Formula
Recurring investment future value formula
Investment returns are not guaranteed. This calculator projects outcomes from the rate you enter and does not predict market performance.
FV = P x (((1 + i)^n - 1) / i) x (1 + i)
For a monthly investment of 5,000 at 12% annual return for 10 years, use i = 12 / 12 / 100 and n = 120 months.
SourcesThis profile covers deterministic investment projections such as recurring investments, compounding, retirement savings, and dollar-cost averaging. Results depend entirely on the rate and contribution assumptions entered by the user.
Sources and assumptions
Investment projection source notes
This profile covers deterministic investment projections such as recurring investments, compounding, retirement savings, and dollar-cost averaging. Results depend entirely on the rate and contribution assumptions entered by the user.
- Effective year
- 2026
- Last verified
- 2026-06-23
Investment returns are not guaranteed. This calculator projects outcomes from the rate you enter and does not predict market performance.
Official and reference sources
Assumptions
- The entered monthly investment is contributed consistently for the full duration.
- The expected annual return is smoothed into equal monthly compounding periods.
- The result is a scenario estimate before taxes, fees, exit loads, inflation, or investment volatility.
Not included
- Market volatility, fund expenses, taxes, exit loads, contribution holidays, step-up SIP changes, withdrawals, and product-specific rules.
- Investment advice, fund selection, risk profiling, or guaranteed-return promises.
FAQ8 common questions for this calculator.
FAQs
What is a SIP calculator?+
A SIP calculator estimates the future value of fixed recurring investments after compounding at the expected annual return you enter.
What does SIP maturity value mean?+
It is the estimated value of all monthly contributions plus projected growth at the end of the selected duration.
Are SIP returns guaranteed?+
No. SIP results are estimates based on the return assumption you enter. Real mutual fund or investment returns can be higher or lower.
Should I use annual return or monthly return?+
Enter the expected annual return. The calculator converts it into a monthly rate for the recurring-investment projection.
How does the SIP Calculator calculate the result?+
For the SIP Calculator, it uses the Recurring investment future value formula: FV = P x (((1 + i)^n - 1) / i) x (1 + i). For a monthly investment of 5,000 at 12% annual return for 10 years, use i = 12 / 12 / 100 and n = 120 months.
What information do I need to use the SIP Calculator?+
Enter the monthly investment amount, expected annual return, and duration in years. The result assumes the same recurring contribution continues for the full term.
How accurate is the SIP Calculator?+
SIP Calculator is accurate for the rates, amounts, dates, and rules entered. It uses the Recurring investment future value formula shown on this page. Real products can differ because of fees, taxes, contract terms, or changing official thresholds.
What should I check before using the SIP Calculator result?+
For the SIP Calculator, check the entered amounts, rates, dates, and rules, then compare the Recurring investment future value formula and worked example with the contract or source you will rely on. Fees, tax year, currency, and payment timing can change the final decision.
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Finance guide
How to use the SIP Calculator
Calculate SIP maturity value, total invested amount, and estimated returns for recurring monthly investments with editable amount, return, and duration. The page also explains the recurring investment future value formula and shows a practical example: For a monthly investment of 5,000 at 12% annual return for 10 years, use i = 12 / 12 / 100 and n = 120 months.
- 1
Enter your details
Enter editable amount, return, and duration, then complete any other fields shown in the calculator.
- 2
Check the calculation
Review the result alongside the recurring investment future value formula: FV = P x (((1 + i)^n - 1) / i) x (1 + i).
- 3
Compare scenarios
Change one or more inputs to see how they affect the SIP Calculator result before you use the estimate.