Total Value at Maturity
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Monthly SIP Calculator
This Monthly SIP Calculator shows you what your regular monthly contributions add up to over any horizon — enter your monthly investment, expected annual return, and investment period to see your total value at maturity, total amount invested, and estimated returns recalculate live as you adjust the sliders. The year-wise table shows your systematic investment plan corpus at every annual milestone, so you can see in actual rupees what staying invested for 15 years delivers versus 25. For more related tools, see the step-up sip calculator.
Results
Total Amount Invested
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Estimated Returns
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Investment Breakdown
Results Table
| Year | Amount Invested | Est. Returns | Total Value |
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What is a Monthly SIP Calculator?
A monthly SIP calculator is a tool that computes the future value of a systematic investment plan where you contribute a fixed amount every month. It is the most widely used SIP frequency in India — the majority of mutual fund SIPs are set up on a monthly debit cycle — and the monthly mutual fund SIP calculator reflects this by using monthly compounding as its default. Enter your monthly investment, expected annual return, and investment period, and you immediately see your total value at maturity, total amount invested, and estimated returns.
The SIP monthly returns calculator on this page uses the Future Value of Annuity Due formula — the same formula used by SEBI-registered platforms for systematic investment plan projections — with results updating live as you adjust any of the three sliders. The year-wise table below the calculator shows how your corpus builds at every annual checkpoint, making the compounding acceleration in later years visually concrete. Also explore the sip compound interest calculator for a related calculation.
Monthly SIP Calculator Formula
The monthly SIP calculator formula is the Future Value of Annuity Due at monthly frequency:
M = P × [(1 + r)ⁿ − 1] / r × (1 + r)
- M = Maturity value (total corpus)
- P = Monthly SIP amount (₹)
- r = Monthly return rate = Annual return ÷ 12 ÷ 100
- n = Total months = Years × 12
Each monthly instalment in your systematic investment plan earns returns for a different number of months — your first instalment compounds for the entire tenure, your last instalment for just one month. The formula aggregates all of this into a single maturity figure. The Annuity Due variant (multiplying by 1 + r at the end) assumes each payment is made at the beginning of the period — which is how most SIP mandates work when the debit happens on the 1st of each month. Also explore the daily sip calculator for a related calculation.
Monthly SIP Returns at Different Rates
Use this table to quickly estimate the corpus a ₹5,000/month systematic investment plan generates at three common equity mutual fund return rates across two time horizons:
| Return Rate | 10-Year Corpus | Amount Invested (10 yr) | 20-Year Corpus | Amount Invested (20 yr) |
|---|---|---|---|---|
| 10% p.a. | ₹10.32 lakh | ₹6.00 lakh | ₹38.28 lakh | ₹12.00 lakh |
| 12% p.a. | ₹11.61 lakh | ₹6.00 lakh | ₹49.96 lakh | ₹12.00 lakh |
| 15% p.a. | ₹13.94 lakh | ₹6.00 lakh | ₹75.79 lakh | ₹12.00 lakh |
The invested amount doubles from 10 to 20 years, but the corpus grows 4–5× because the later years compound a much larger base. This is the core principle of the monthly mutual fund SIP — time in market, not timing the market. Adjust the annual return slider in the monthly SIP calculator above to see how sensitive your final corpus is to the assumed rate, then use a conservative estimate (10–12%) for your financial planning.
What Is ₹2,000 Monthly SIP for 5 Years?
₹2,000/month for 5 years totals ₹1.20 lakh invested. At 10% annual return the monthly SIP calculator projects a maturity value of ₹1.55 lakh — a gain of ₹35,000. At 12% the corpus is ₹1.65 lakh, and at 8% it is ₹1.47 lakh. The gain looks modest over 5 years because compounding needs time to accelerate — the same ₹2,000/month at 12% over 15 years grows to ₹10.05 lakh on ₹3.60 lakh invested. Enter ₹2,000 in the monthly SIP calculator above and change the tenure slider to see how the maturity value scales from 5 years to 10 or 15 years.
What Is ₹3,000 Monthly SIP for 5 Years?
₹3,000/month for 5 years totals ₹1.80 lakh invested. The monthly SIP calculator returns ₹2.32 lakh at 8%, ₹2.47 lakh at 12%, and ₹2.63 lakh at 15% annual return. At 12%, the estimated gain is ₹67,000 on ₹1.80 lakh — a 37% return over 5 years, or roughly 7.4% per year in simple terms. For the same ₹3,000/month extended to 10 years, the 12% scenario projects ₹6.97 lakh on ₹3.60 lakh invested. The year-wise table in the calculator breaks down the corpus at each annual checkpoint so you can see when the returns start to outpace the invested principal.
How Much Is ₹10,000 Monthly SIP for 5 Years?
₹10,000/month for 5 years totals ₹6.00 lakh invested. At 12% annual return the maturity value is approximately ₹8.25 lakh — a gain of ₹2.25 lakh. At 10% it is ₹7.74 lakh and at 15% it reaches ₹8.77 lakh. Extending the same ₹10,000/month to 10 years at 12% nearly doubles the corpus to ₹23.23 lakh on ₹12.00 lakh invested, with ₹11.23 lakh in returns — the gains now exceed the invested amount. Enter ₹10,000 in the monthly SIP calculator, set 5 years as tenure, then extend to 10 or 15 to see the compounding difference directly.
How Much Is ₹5,000 Monthly SIP for 20 Years?
₹5,000/month for 20 years totals ₹12.00 lakh invested. At 12% annual return the monthly SIP calculator projects a maturity value of ₹49.96 lakh — a gain of ₹37.96 lakh, meaning the returns are more than 3× the invested principal. At 10% the corpus is ₹38.28 lakh and at 15% it reaches ₹75.79 lakh. The 20-year horizon is where compounding has the most visible impact: the last 5 years alone (years 16–20) add more corpus than the first 10 years combined at 12%. The year-wise table in the calculator shows this acceleration — each year's ending balance grows faster than the previous year as the compounding base widens.
Frequently Asked Questions
Why is monthly the most popular SIP frequency?
Monthly is the most popular SIP frequency in India because it aligns naturally with salary credits. Most salaried investors receive income once a month, making a monthly auto-debit the easiest way to automate savings without managing cash flow across multiple weekly or daily debits. Monthly systematic investment plans also require fewer mandate instructions than weekly or daily SIPs, making them simpler to set up and maintain across different fund houses.
What is the right monthly SIP amount to start with?
A common thumb rule is to invest at least 20% of your take-home income in a systematic investment plan. For a monthly take-home salary of ₹50,000, that means ₹10,000/month in SIPs — split across equity, hybrid, or debt funds based on your goal horizon. If 20% feels too high, start with ₹500–₹1,000/month and increase the amount annually. Starting small and maintaining the habit consistently is far more valuable than waiting to start with a larger amount.
Does the monthly SIP date matter?
Research from AMFI and several fund houses shows that the SIP date — whether the 1st, 5th, 10th, or 15th of the month — has a negligible impact on long-term returns. Over a 10–20 year horizon, the NAV differences between any two dates average out. The more important variable is the monthly investment amount and the tenure. Choose a date a few days after your salary credit to ensure sufficient balance in your account, but do not delay starting your systematic investment plan while trying to time the ideal SIP date.
Can I increase my monthly SIP amount over time?
Yes. You can increase your monthly SIP amount by either modifying an existing SIP mandate or starting an additional SIP in the same or a different scheme. Most platforms allow step-up SIPs (also called top-up SIPs), where the monthly amount increases automatically by a fixed percentage or fixed amount each year. Alternatively, you can manually start a fresh SIP whenever your income increases. Increasing your systematic investment plan contribution along with your salary hikes is one of the most effective ways to accelerate corpus building.