SIP Investment Calculator
SIP Calculator works out Maturity value and Total invested from SIP instalment, Instalment frequency and Expected annual return. The default figures on this page give maturity value of 1,161,695.38; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
4 steps
- Rate per instalment i = 12% / 12 = 1%.
- Number of instalments n = 10 years * 12 = 120.
- FV = P * (((1+i)^n - 1)/i) * (1+i) = 5000 * 232.339076.
- Total invested = 600000, maturity value = 1161695.38, estimated returns = 561695.38.
Year-by-year corpustable
| year | invested | returns | balance |
|---|---|---|---|
| 1 | 60,000 | 4,046.64 | 64,046.64 |
| 2 | 60,000 | 12,169.36 | 136,216 |
| 3 | 60,000 | 21,322.24 | 217,538.24 |
| 4 | 60,000 | 31,635.93 | 309,174.17 |
| 5 | 60,000 | 43,257.66 | 412,431.83 |
| 6 | 60,000 | 56,353.32 | 528,785.15 |
| 7 | 60,000 | 71,109.83 | 659,894.99 |
| 8 | 60,000 | 87,737.84 | 807,632.83 |
| 9 | 60,000 | 106,474.7 | 974,107.53 |
| 10 | 60,000 | 127,587.86 | 1,161,695.38 |
Its 4 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
2 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the SIP Calculator calculates
Computes the maturity value of a systematic investment plan from the instalment, expected annual return and tenure, and can invert the same formula to find the instalment needed for a target corpus.
How to use this SIP Calculator
Enter SIP instalment, Instalment frequency, Expected annual return and Investment period. Maturity value updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Maturity value, Total invested and Estimated returns.
The method follows AMFI investor education (Mutual Funds Sahi Hai) - SIP calculator methodology and Future value of an annuity due, FV = PMT[((1+i)^n - 1)/i](1+i).
AMFI's worked example: 5,000 a month at 12% for 7 years example
With SIP instalment: 5000, Expected annual return: 12, Investment period: 7, Instalment frequency: monthly, the calculator returns Maturity value: 659894.986, Total invested: 420000. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Maturity value, Total invested and Estimated returns. The inputs you can vary are SIP instalment, Instalment frequency, Expected annual return, Investment period, One-off amount invested at the start and Annual step-up in the instalment.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How much is 50,000 monthly SIP for 5 years?
On the figures this page opens with — SIP instalment 5,000, expected annual return 12% and investment period 7 years — the maturity value is 1,161,695.38. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
How much is $5000 for 5 years in SIP?
It needs SIP instalment, Instalment frequency, Expected annual return, Investment period, One-off amount invested at the start and Annual step-up in the instalment. Nothing else is required, and the figures stay in your browser.
How much is 10,000 monthly SIP for 5 years?
The result gives Maturity value, Total invested, Estimated returns, Instalment needed for the target, Return per instalment period and Number of instalments, each labelled with its unit so the figure can be read on its own.
What information do I need for the SIP Calculator?
You need SIP instalment, Instalment frequency, Expected annual return, Investment period, One-off amount invested at the start, Annual step-up in the instalment, Target corpus and Inflation rate. The page opens with default figures that give maturity value of 1,161,695.38, so you can see the scale before entering your own.
What does this SIP Calculator show?
It shows Maturity value, Total invested, Estimated returns, Instalment needed for the target, Return per instalment period, Number of instalments, Absolute return on money invested and Maturity value in today's money, with the working and any warnings for your entries.
Can I check how the SIP Calculator result was calculated?
Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.