Compounding, visualized
The yearly table makes the hockey stick visible — gains overtaking contributions is the moment compounding becomes intuitive.
Calculators
SIP Calculator
Watch compounding do its work: future value, wealth gained, and a year-by-year growth table for any monthly investment plan.
In short
Project the future value of a monthly SIP with expected returns, total invested, wealth gained, and year-by-year growth — calculated instantly in your browser.
By NaveenKumar T · Updated
Learn: How EMI Is Calculated: The Formula, a Worked Example and an Amortization Schedule
- Future value with compounding
- Invested vs. gains split
- Year-by-year growth table
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Why this calculator
Numbers you can defend
Standard formulas, transparent breakdowns, and instant recalculation — so the result is something you can explain, not just something you got.
Standard annuity math
The same future-value formula fund houses use, stated openly in the FAQ — no black box.
Horizon experiments
Drag the years slider and watch what five extra years does to the final value — the most persuasive argument for starting early.
Private by design
Investment plans are personal. Everything computes locally; nothing is logged or sent anywhere.
Learn more
Why SIPs work: discipline plus compounding
A systematic investment plan automates the hardest part of investing — actually doing it every month. Fixed contributions buy more units when prices fall and fewer when they rise (rupee/dollar-cost averaging), and monthly compounding quietly accelerates: in the yearly table, notice how the final years' gains dwarf the early years' entire contributions.
The calculator's growth multiple distills it: invested amount versus final value. At 12% over 20 years, every unit invested roughly triples — and the same table shows how sharply that multiple drops if you delay the start by five years. Time in the market is the variable you control completely.
Worked example: ₹5,000/month at a 12% expected return
The same ₹5,000 monthly SIP at a 12% expected annual return, run for three horizons, shows compounding accelerating rather than merely adding up — the growth multiple more than doubles between the 10-year and 20-year columns even though the monthly amount never changes.
| Horizon | Invested | Future value | Gains | Growth multiple |
|---|---|---|---|---|
| 10 years | ₹6,00,000 | ₹11,61,695.38 | ₹5,61,695.38 | 1.94× |
| 15 years | ₹9,00,000 | ₹25,22,880.00 | ₹16,22,880.00 | 2.80× |
| 20 years | ₹12,00,000 | ₹49,95,739.60 | ₹37,95,739.60 | 4.16× |
A disclaimer worth reading before you invest
Illustrative; check your fund's exact terms — actual returns fluctuate with markets and are never guaranteed at a fixed rate the way this projection assumes. AMFI's investor-education site explains what a SIP is in plain terms, and investor.gov's compound interest calculator is a useful second check on the compounding math above.
Further reading
For the mechanics behind the number this calculator projects, NV Trends' guide to understanding SIPs in India walks through how a monthly SIP actually buys units and compounds over time, and SIP vs. lump sum covers when a one-time investment makes more sense than spreading it out.
Sources
Help
Frequently asked questions
Everything you need to know about the SIP Calculator.
01Is the return this calculator shows the same as the XIRR on my fund statement?
This projection assumes one fixed annual rate compounded monthly, which is the convention fund calculators use for a forecast — not the XIRR on a fund statement. A statement reports XIRR, the internal rate of return across instalments made on different dates at different unit prices, which is the only honest measure of what a real SIP earned. Use the projection to size a plan; use XIRR to judge one.
02How does the SIP math work?
It's the future value of an annuity-due: FV = M × ((1+i)ⁿ − 1) ÷ i × (1+i), with M the monthly amount, i the monthly return (annual ÷ 12), and n total months. Contributions are assumed at the start of each month and returns compound monthly — the same convention most fund calculators use.
03What return percentage should I assume?
Be conservative: long-run diversified equity has historically delivered low-double-digit annual returns in growth markets, but sequence risk is real and past performance guarantees nothing. Run the calculation at 10%, 12% and 14% — planning against the lowest projection is the honest approach.
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