# SIP Calculator

Enter your monthly SIP amount, the yearly return you expect and how long you will invest to estimate the final value.

Live calculator: https://calc.softool.in/sip-calculator

## Worked example

A SIP of ₹5,000 a month for 10 years at an assumed 12% a year grows to about ₹11,61,695. You invest ₹6,00,000 and the estimated returns are ₹5,61,695.

## Quick answers

- **How much will a SIP of ₹1,000 a month be worth in 10 years?** At an assumed 12% a year, a SIP of ₹1,000 a month grows to about ₹2,32,339 in 10 years.
- **How much will a SIP of ₹2,000 a month be worth in 10 years?** At an assumed 12% a year, a SIP of ₹2,000 a month grows to about ₹4,64,678 in 10 years.
- **How much will a SIP of ₹5,000 a month be worth in 10 years?** At an assumed 12% a year, a SIP of ₹5,000 a month grows to about ₹11,61,695 in 10 years.
- **How much will a SIP of ₹10,000 a month be worth in 10 years?** At an assumed 12% a year, a SIP of ₹10,000 a month grows to about ₹23,23,391 in 10 years.
- **How much will a SIP of ₹25,000 a month be worth in 10 years?** At an assumed 12% a year, a SIP of ₹25,000 a month grows to about ₹58,08,477 in 10 years.

## SIP returns table at 12% a year

Estimated value of a monthly SIP. The 12% return is an assumption, not a promise.

| Monthly SIP | 5 years | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|---|
| ₹1,000 | ₹82,486 | ₹2,32,339 | ₹5,04,576 | ₹9,99,148 | ₹18,97,635 |
| ₹2,000 | ₹1,64,973 | ₹4,64,678 | ₹10,09,152 | ₹19,98,296 | ₹37,95,270 |
| ₹5,000 | ₹4,12,432 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 | ₹94,88,175 |
| ₹10,000 | ₹8,24,864 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 | ₹1,89,76,351 |
| ₹25,000 | ₹20,62,159 | ₹58,08,477 | ₹1,26,14,400 | ₹2,49,78,698 | ₹4,74,40,877 |

## How it is calculated

`FV = M × ((1 + i)^n − 1) ÷ i × (1 + i)`

M is the monthly investment, i is the monthly return (yearly return ÷ 12 ÷ 100) and n is the number of months. Each instalment earns returns for the time it stays invested, so early instalments grow the most.

The return you enter is an assumption. Mutual fund returns move up and down with the market and are not guaranteed.

## Good to know

- Time matters more than amount: starting a few years earlier usually beats investing more later.
- Keep the SIP running when markets fall. Those instalments buy more units.
- Raise the SIP when your income rises. The step-up SIP calculator shows the difference.

## Common questions

### What is a SIP?

A Systematic Investment Plan lets you invest a fixed amount in a mutual fund at regular intervals, usually every month, instead of investing one large amount at once.

### What return should I assume?

Nobody knows future returns. Many people test a few values, for example 8%, 10% and 12%, to see a range of possible results rather than trusting a single number.

### Are SIP returns guaranteed?

No. Mutual funds are market-linked. The value can be lower than this estimate, and can even be lower than the amount you invested.

### Can I stop or pause a SIP?

Yes. You can stop a SIP at any time without a penalty, and many fund houses let you pause it for a few months. Money already invested stays invested unless you redeem it.

### Is SIP better than a fixed deposit?

They do different jobs. An FD gives a fixed, known return. A SIP in an equity fund can return more over long periods but can also lose value, especially over short periods.

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Source: https://calc.softool.in/sip-calculator
Last reviewed: October 2026. Results are estimates, not financial advice.