SIP Investment Calculator

Amount invested every period. Ignored when solving for the instalment.
Your own return assumption. Mutual fund returns are not assured.
A lump sum already invested alongside the SIP.
Raises the instalment once a year, as a step-up or top-up SIP does.
Used only when solving for the instalment.
Used only to restate the maturity value in today's purchasing power.
Maturity value
1,161,695.38
SIP Calculator
Total invested
600,000.00
Estimated returns
561,695.38
Return per instalment period
1.000000 %
Number of instalments
120
Absolute return on money invested
93.6159 %
Maturity value in today's money
1,161,695.38
Worked out from AMFI investor education (Mutual Funds Sahi Hai) - SIP calculator methodology and 1 other source.
Mutual fund returns are not assured. The expected return is an assumption you supplied, not a projection of any scheme.

How this is worked out

4 steps
  1. Rate per instalment i = 12% / 12 = 1%.
  2. Number of instalments n = 10 years * 12 = 120.
  3. FV = P * (((1+i)^n - 1)/i) * (1+i) = 5000 * 232.339076.
  4. Total invested = 600000, maturity value = 1161695.38, estimated returns = 561695.38.
Year-by-year corpustable
yearinvestedreturnsbalance
160,0004,046.6464,046.64
260,00012,169.36136,216
360,00021,322.24217,538.24
460,00031,635.93309,174.17
560,00043,257.66412,431.83
660,00056,353.32528,785.15
760,00071,109.83659,894.99
860,00087,737.84807,632.83
960,000106,474.7974,107.53
1060,000127,587.861,161,695.38

Results are general information, not financial, tax, legal, medical or engineering advice.