SIP Calculator
Project the maturity value of a monthly systematic investment plan (SIP).
Results update as you type.
About this calculator
A systematic investment plan (SIP) invests a fixed amount every month into a fund, and this SIP calculator projects what those regular contributions could grow to. It assumes each instalment is invested at the start of the month, compounds at your expected annual return, and then splits the maturity value into the total you put in and the estimated gains.
The engine grows the balance month by month: FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the annual return ÷ 12, and n the number of months. For example, 5,000 invested every month for 10 years at 12% grows to about 11.6 lakh (1,161,000): you contribute 600,000 and the remaining 561,000 is estimated returns — the gains slightly exceed what you invested thanks to compounding.
Use it to plan a mutual-fund SIP, to see how the monthly amount, expected return and time horizon shape the corpus, or to model a step-up SIP that raises the contribution each year. Because SIPs invest in market-linked funds, the return is an assumption, not a guarantee, so keep the rate realistic.
Frequently asked questions
What is the SIP maturity formula?
FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i the monthly return (annual ÷ 12) and n the number of months. The final (1 + i) reflects investing at the start of each month.
Are SIP returns guaranteed?
No. SIPs usually invest in market-linked funds, so the expected return is an assumption, not a promise. Actual results vary year to year — enter a realistic, conservative rate for planning.
What is a step-up SIP?
A step-up (or top-up) SIP raises your monthly contribution by a set percentage each year, usually to match rising income. Entering an annual step-up here shows how even a modest yearly increase can meaningfully enlarge the final corpus compared with a flat contribution.
Is SIP better than a lump-sum investment?
A SIP spreads investment over time, averaging your purchase price and reducing the risk of buying everything at a market peak — known as rupee- or dollar-cost averaging. A lump sum can win when markets rise steadily, but a SIP suits investors saving from monthly income.
How does SIP compounding work?
Each monthly contribution starts earning returns immediately and those returns then earn their own returns, so the earliest instalments grow the most. This is why starting a SIP earlier, even with a smaller amount, often beats a larger SIP started later.
What return should I assume for a SIP?
Use a realistic long-run figure for the fund type — equity funds have historically returned more than debt funds but with more volatility. A conservative assumption keeps the projected corpus honest, since actual year-to-year returns will swing above and below it.
API — use this calculator from code
Call this calculator as a free JSON endpoint — no key required. Send the field values below as query parameters or JSON. Read the full API docs →
Endpoint
GET https://calculator.free/api/v1/sip/curl
curl "https://calculator.free/api/v1/sip/?amount=5000&rate=12&years=10"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/sip/?" + new URLSearchParams({
"amount": "5000",
"rate": "12",
"years": "10"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.