₹5,000 a month for 15 years
At 12%, ₹9,00,000 paid in grows to ₹25,22,880: ₹16,22,880 of it is growth. Five more years than the table above add ₹13,61,185.
Open this in the calculator
SIP Calculator
Calculate returns on a Systematic Investment Plan in mutual funds
Investing ₹5,000 a month for 10 years at 12% could grow to about ₹11.62 lakh, of which ₹5.62 lakh is growth.
Estimated Corpus
₹11,61,695
- Total Invested
- ₹6,00,000
- Wealth Gained
- ₹5,61,695
A projection, not a promise — mutual fund returns are not guaranteed.
Investment Summary
- Monthly SIP amount
- ₹5,000
- Total invested
- ₹6,00,000
- Expected return
- 12.0% p.a.
- Wealth gained
- ₹5,61,695
- Maturity value
- ₹11,61,695
Composition
Total invested₹6,00,000 · 51.6%
Wealth gained₹5,61,695 · 48.4%
Your inputs are in the page address — bookmark it, or send the link to come back to exactly this calculation. Nothing is stored on our servers unless you save it.
How this is calculated
Formula
FV = P × [((1 + i)ⁿ − 1) / i] × (1 + i)
- FV
- = future value of the SIP
- P
- = monthly instalment
- i
- = monthly rate = annual rate ÷ 12 ÷ 100
- n
- = number of instalments = years × 12
With your numbers
- 1Monthly ratei = r ÷ 12 ÷ 10012.0% ÷ 12 ÷ 100 = 0.010000
- 2Number of instalmentsn = years × 1210 × 12 = 120
- 3Compound the instalmentsFV = P × [((1 + i)ⁿ − 1) / i] × (1 + i)₹5,000 × [((1 + 0.010000)^120 − 1) ÷ 0.010000] × (1 + 0.010000) = ₹11,61,695
- 4Split the resultgrowth = FV − (P × n)₹11,61,695 − ₹6,00,000 = ₹5,61,695 of growth on 120 instalments
Estimated corpus₹11,61,695
- The trailing × (1 + i) is what makes this a SIP rather than an ordinary annuity: each instalment is invested at the start of the month, so it earns a full month of return.
- Set a step-up above zero and each year gets its own instalment, compounded separately and summed, because the closed form above assumes a constant P.
- No exit load, expense ratio drag or capital gains tax is deducted. The expected return you enter should already be net of the fund’s expense ratio.
What is a SIP?
A Systematic Investment Plan is a way of investing in mutual funds where you put in a fixed amount at regular intervals — usually monthly — instead of a lump sum.
It gives you rupee cost averaging and the benefit of compounding, which is why it suits long-term wealth building on a salary.
What this tool will not do
It will not name a fund, rank an AMC or send you to a broker. BullTimes earns nothing from where you invest, so there is nothing to steer you towards.
What it does is show the arithmetic on the assumptions you supply — including the assumption most likely to be wrong, which is the expected return.
Frequently Asked Questions
Year by year
₹5,000 a month at 12% a year for 10 years, the calculator's starting figures.
Show the table (10 rows)Hide the table
| Year | Invested | Value | Growth |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
Each instalment is invested at the start of the month and compounds monthly. A projection at a constant return, not a forecast.
Worked examples
₹10,000 a month for 20 years
₹24,00,000 paid in becomes ₹99,91,479 at 12%. Growth is 76% of the final corpus, because the early instalments compound for almost two decades.
Open this in the calculator₹5,000 a month, stepped up 10% a year, for 15 years
The instalment reaches ₹20,886 in year 15. The corpus is ₹43,41,925, against ₹25,22,880 for the same SIP left level: ₹18,19,045 more, for ₹10,06,349 more paid in.
Open this in the calculatorCommon mistakes
Treating instalments as paid at the end of the month
A SIP instalment is invested at the start of the month, so it earns that month's return too. Calculators that use the ordinary annuity formula (no trailing × (1 + i)) drop a month of growth on every instalment: on the table above, ₹11,502 less than the AMC convention gives.
SIP conventionsEntering a return before the expense ratio
The return you enter is applied as it is. A fund’s published returns are already net of its expense ratio, but an index return or a "market average" is not: subtract the fund’s ongoing costs from those first.
What is and is not deductedReading the corpus as today’s money
₹11,61,695 in 10 years buys what about ₹6,48,685 buys today, if prices rise 6% a year. Compare a target with the corpus in the same terms.
Inflation calculator
Questions this answers
How much will a ₹10,000 SIP be worth in 20 years?
About ₹99.9L at 12% a year, from ₹24.0L paid in. Try it
How much SIP do I need for ₹1 crore in 15 years?
About ₹19,819 a month at 12% a year. At a lower return it takes more: the goal planner works it out for any target and rate. Try it
What does a ₹25,000 monthly SIP become in 10 years?
About ₹58.1L at 12% a year, of which ₹28.1L is growth. Try it
Related Tools
Terms used here
Printed from bulltimes.com/tools/sip-calculator. The full page address reproduces these inputs. BullTimes recommends nothing; check figures that matter with an adviser.
Every formula, convention and source behind these calculators is written down. Read the methodology — including what BullTimes deliberately will not do. We take no commission on anything, and recommend nothing.