Regular SIP Calculator
Calculate the maturity value of a fixed monthly SIP over any period, with inflation-adjusted value and a year-by-year breakdown.
How to Use
- 1
Enter a monthly amount
Type the fixed amount you plan to invest every month.
- 2
Set return and period
Enter the expected annual return and the number of years.
- 3
View maturity and gains
See the projected value, what you invested, and the year-by-year breakdown.
How It Works
A regular SIP invests the same amount every month for the whole period. This calculator shows the projected maturity value, how much you put in, the gains, and how the balance grows year by year, with an optional inflation adjustment for the real value.
Why contributions are compounded monthly
Each monthly contribution starts earning as soon as it's invested, and the balance is updated every month. That's why this calculator uses a monthly rate of your annual return ÷ 12. An annual compounding calculation would understate a SIP's growth, since money invested mid-year wouldn't earn anything until the year ended.
When a regular SIP fits best
A regular SIP suits a budget that won't change much over the period: a fixed savings goal, a steady salary with few increases, or a plan you want to keep simple. If you expect your income to rise, a step-up SIP usually builds more from the same starting amount.
Examples
₹10,000 a month for 15 years at 12%
You invest ₹18,00,000 in total. The projected value is about ₹50,45,760, roughly 2.8 times what you put in, with the rest coming from growth.
The same SIP with 6% inflation
The ₹50.5 lakh maturity is worth about ₹21 lakh in today's money at 6% inflation over 15 years. Use the inflation field to see this for your own numbers.
Common Use Cases
- Planning a fixed monthly savings habit toward a long-term goal
- Comparing how different monthly amounts or return rates change the outcome
- Checking how many years a fixed SIP needs to reach a target corpus
- Seeing the gap between invested money and growth in the year-by-year table
Tips
- Use a conservative return rate. Mutual fund returns vary from year to year and aren't guaranteed.
- Starting earlier usually matters more than a larger monthly amount later, because of the extra years of compounding.
- The calculator shows gross returns before tax and fund charges. Check the fund's expense ratio and tax rules before deciding.
Frequently Asked Questions
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