SIP Calculator
Project the future value of a Systematic Investment Plan and see compounding at work. Adjust the monthly amount, expected return and duration to watch how small, regular investments can grow over time.
SIP calculator
Set a monthly amount, an expected annual return and a duration to project the future value of your Systematic Investment Plan.
Expected long-run annual return. Market returns are not guaranteed.
- Invested52%
- Returns48%
Projected value
₹11,61,695
after 120 monthly investments
Total invested
₹6,00,000
the money you put in
Estimated returns
₹5,61,695
94% wealth gain
Projections assume a constant annual return and are illustrative — actual market returns vary and are not guaranteed.
Project your SIP in four steps
The calculator recomputes instantly as you change any input, so you can shape a plan that matches your goal and your budget.
Set your monthly amount
Decide how much you can invest every month. Even a modest amount adds up meaningfully over the years.
Estimate a return rate
Enter the long-run annual return you expect. Use a conservative figure — market returns are never guaranteed.
Pick a duration
The longer you stay invested, the more compounding works in your favour. Time is the biggest lever.
See your projection
Read the projected maturity value, the total you invested and the estimated returns on top.
The power of compounding
A SIP grows because every contribution — and every return it earns — keeps compounding for the rest of your investment horizon.
This calculator assumes contributions at the start of each month and a constant annual return, then compounds monthly across the full duration. The earlier rupees you invest compound the longest, which is why the estimated returns portion grows so much faster than what you put in.
Real markets fluctuate, so the projection is a smoothed estimate rather than a forecast. Use a conservative return rate to keep your plan realistic.
SIP future value
FV = P × ((1 + i)n − 1) ÷ i × (1 + i)
- PYour fixed monthly investment.
- iMonthly return = annual return ÷ 12 ÷ 100.
- nNumber of monthly investments = years × 12.
Total invested = P × n; estimated returns = future value − total invested.
SIP calculator FAQs
A Systematic Investment Plan (SIP) is a way of investing a fixed amount at regular intervals — typically monthly — into a mutual fund. Instead of timing the market, you invest steadily, which averages out your purchase cost and builds the habit of disciplined investing.
It uses the standard SIP future-value formula for contributions made at the start of each month: FV = P × ((1+i)^n − 1) ÷ i × (1+i), where P is your monthly investment, i is the monthly return (annual return ÷ 12 ÷ 100) and n is the number of months (years × 12).
No. The projection assumes a constant annual return for the whole period, which real markets never deliver. Actual mutual-fund returns rise and fall, so treat the result as an illustrative estimate, not a promise. Past performance does not guarantee future returns.
Because returns compound — each year you earn returns on your earlier returns as well as your contributions. The effect is small early on but grows rapidly over time, which is why starting early and staying invested matters more than the exact monthly amount.
There is no single correct figure, and PakkaLoan does not recommend one. Many investors model long-term equity expectations conservatively; lower the rate to stress-test your plan. The right assumption depends on the fund type, your horizon and your risk appetite — consult a SEBI-registered adviser if unsure.
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