Total Value at Maturity
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SIP Calculator
Enter your monthly investment amount, expected annual return, and investment period into this SIP Calculator, and it projects your total value at maturity, total amount invested, and estimated returns — with all three numbers updating in real time as you move the sliders. The donut chart splits your final corpus between the capital you put in and the returns compounding added on top, so you see the ratio visually rather than just as two numbers. The year-wise growth table then shows how your SIP corpus builds year by year — useful when you want to see what holding for 20 years actually delivers versus stopping at 10. Use it to model any systematic investment plan scenario before you invest. Explore the sip goal calculator for more SIP variant calculations.
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 SIP Calculator?
A SIP (Systematic Investment Plan) calculator is a free online tool that estimates the future value of your mutual fund investments made through regular monthly contributions. You enter three values — monthly investment, expected annual return, and investment period — and get your projected total value at maturity, total amount invested, and estimated returns in one place. No spreadsheet, no manual formula.
The Tickjournal SIP calculator uses the standard Future Value of Annuity Due formula — the same formula used by SEBI-registered systematic investment plan platforms — and generates a year-wise growth table so you can track how your corpus builds up year by year.
How to Use the SIP Calculator
The monthly SIP calculator needs just three inputs for your systematic investment plan:
- Monthly Investment (₹): Enter the fixed amount you plan to invest every month — from ₹500 to ₹1,00,000. Use the slider to fine-tune.
- Expected Annual Return (%): Enter the annual return rate you expect from your mutual fund. Equity funds have historically delivered 10–15% CAGR over long periods; debt funds typically 6–8%.
- Investment Period (Years): Enter how many years you plan to continue — from 1 to 40 years.
The SIP return calculator updates your results as you move any slider — no button to click. You see total value at maturity, total amount invested, and estimated returns change in real time, along with the donut chart and year-wise table below.
SIP Calculator Formula
The SIP calculator computes your maturity amount using the Future Value of an Annuity Due formula:
M = P × [(1 + r)ⁿ − 1] / r × (1 + r)
- M = Maturity amount (total corpus)
- P = Monthly SIP amount (₹)
- r = Monthly rate of return = Annual rate ÷ 12 ÷ 100
- n = Total months = Years × 12
Example: ₹5,000/month for 10 years at 12% annual return → r = 0.01, n = 120. SIP maturity value ≈ ₹11.61 lakh on ₹6 lakh invested — ₹5.61 lakh generated entirely by compounding. Change the tenure to 20 years in the SIP maturity calculator above and watch the corpus jump to ₹49.96 lakh on just ₹12 lakh invested.
SIP Calculator vs Lumpsum Calculator
| Factor | SIP | Lumpsum |
|---|---|---|
| Investment style | Regular (monthly) | One-time |
| Market timing risk | Low — rupee cost averaging | High |
| Minimum amount | ₹500/month | ₹1,000 (typical) |
| Discipline required | Auto-debit, set and forget | One-time decision |
| Best suited for | Salaried investors, long horizon | Windfall, bonus, inheritance |
Use the SIP calculator when you invest a fixed amount every month from your salary as part of a systematic investment plan. If you have a one-time amount to deploy — a bonus, an inheritance, or a maturity payout — the lumpsum calculator is the right tool. Both give you a projected corpus based on the return rate you enter; the difference is the investment pattern, not the compounding math.
How a SIP Return Calculator Helps You Plan Better
The biggest advantage of running your numbers through a SIP plan calculator is seeing the compounding effect in actual rupees, not as a concept. The year-wise table makes it concrete — your corpus doesn't grow in a straight line, it accelerates sharply in the later years:
- ₹5,000/month for 10 years at 12% → ₹11.61 lakh (invested ₹6 lakh)
- ₹5,000/month for 20 years at 12% → ₹49.96 lakh (invested ₹12 lakh)
- ₹5,000/month for 30 years at 12% → ₹1.76 crore (invested ₹18 lakh)
The invested amount triples from year 10 to year 30, but the corpus grows nearly 15x. Use the SIP amount calculator to test what adding ₹1,000 more per month does over a 20-year horizon — the difference compounds to a significantly larger number than most people expect in a systematic investment plan.
SIP Calculator Limitations
The Systematic Investment Plan (SIP) calculator assumes a constant rate of return for the entire investment period. Real mutual fund returns fluctuate — the actual corpus at maturity will differ. The SIP calculator also does not account for exit load, expense ratio, or tax on gains (equity fund LTCG is taxed at 12.5% above ₹1 lakh, post Budget 2024). Treat the output as a planning estimate, not a guaranteed figure. Consult a SEBI-registered financial advisor before making investment decisions.
Frequently Asked Questions
What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund scheme at regular intervals — typically monthly. Each SIP installment buys units of the fund at the current NAV. Over time, you accumulate more units during market lows and fewer during highs (rupee cost averaging), which reduces the impact of market volatility on your overall cost per unit.
How accurate is this SIP calculator?
The calculator uses the standard Future Value of Annuity Due formula used by SEBI-registered mutual fund platforms for systematic investment plan projections. It is mathematically accurate for the return rate you enter. However, actual mutual fund returns fluctuate — the calculator gives a projection based on a constant assumed return, not a guaranteed result. Real returns may be higher or lower.
What is a realistic expected return rate for SIP?
For a Systematic Investment Plan (SIP) in equity mutual funds (large-cap, mid-cap, flexi-cap), historical long-term CAGR has been 10–15% over 10+ year horizons in India. For debt mutual funds, expect 6–8%. Hybrid funds fall in between at 8–11%. For conservative projections, use 10–12%; for aggressive estimates, 12–15%. Never assume returns above 15% for long-term planning.
What is the minimum amount I can start a SIP with?
Most mutual funds allow SIPs (systematic investment plans) starting from ₹500 per month. Some funds have a minimum of ₹1,000. There is no upper limit. Direct plans (invested without a distributor) often have lower minimums and no commission, resulting in higher returns than regular plans over long periods.
Does SIP guarantee returns?
No. Mutual fund SIP returns are not guaranteed. Equity funds are subject to market risk and NAV can fall below your purchase price in the short term. However, historically, equity SIPs held for 10+ years in diversified funds have rarely delivered negative returns. Debt fund SIPs carry credit and interest rate risk but are generally less volatile than equity.
What happens if I miss a SIP installment?
Missing one or two SIP installments does not typically result in penalties from the fund house — the SIP simply skips that month. However, if your bank account has insufficient funds repeatedly, your bank may charge a bounce fee. Three consecutive missed installments may cause some fund houses to pause your SIP, requiring you to restart it manually.
Is SIP better than a fixed deposit for long-term wealth creation?
For long-term goals (7–10+ years), equity mutual fund systematic investment plans have historically outperformed fixed deposits significantly. FDs offer guaranteed returns of 6–7.5% but are fully taxable. Equity mutual fund LTCG above ₹1 lakh is taxed at 12.5% (post Budget 2024), making post-tax returns from SIPs substantially better for investors in higher income tax brackets over long durations.