SIP Calculator
Estimate the future value of a monthly SIP investment using expected annual return and investment duration.
Tax year 2026 - Updated June 2026
SIP inputs
Estimated future value
₹23,23,391
After 120 monthly investments of ₹10,000 at an assumed 12% annual return.
Invested amount
₹12,00,000
Estimated returns
₹11,23,391
Invested: 52%Returns: 48%
Monthly rate used
1.000%
Total months
120
Return multiple
1.94x
SIP growth chart
Year-by-year estimate of invested amount versus projected corpus.
Projected corpusInvested amountFinal: ₹23,00,387
Inflation-adjusted estimate
₹12,97,369
Real return: 5.66%
Nominal value
₹23,23,391
Purchasing-power loss
₹10,26,021
Cumulative inflation
79.08%
Uses 6% annual inflation to show today-value purchasing power. This is still an estimate, not a guaranteed real return.
Formula used
- Monthly rate = expected annual return / 12 / 100.
- Total months = investment duration in years x 12.
- Invested amount = monthly investment x total months.
- Future value = P x [((1 + r)^n - 1) / r] x (1 + r), where P is monthly investment, r is monthly rate, and n is total months.
- Estimated returns = future value - invested amount.
- Inflation-adjusted value = future value / (1 + expected inflation) ^ duration years.
- Real annual return = (1 + expected return) / (1 + expected inflation) - 1.
Quick answers
SIP Calculator FAQs
How does the SIP calculator estimate future value?
It converts the expected annual return into a monthly rate and compounds each monthly investment for the remaining duration to estimate future value.
How much will Rs 5,000 SIP become in 20 years?
The value depends on the expected return you enter. For example, a higher assumed annual return produces a larger estimated corpus, but actual mutual fund returns can vary.
Does the SIP calculator include tax and expense ratio?
No. The calculator shows a simplified investment estimate and does not include taxes, exit load, fund expense ratio, missed SIPs, or market volatility.
Can I calculate SIP needed for a target amount?
Use the Goal SIP Calculator when you know the target amount and want to estimate the monthly SIP required to reach it.
Is SIP return guaranteed?
No. SIP returns are not guaranteed because market-linked investments can rise or fall. Treat the result as a planning estimate, not a promise.
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Assumptions
- Assumes monthly investments are made consistently for the full duration.
- Assumes a fixed expected annual return compounded monthly.
- Does not include taxes, exit loads, expense ratios, inflation, missed installments, or market volatility.
- Actual mutual fund returns can be higher or lower than the estimate.
Disclaimer
The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.