SIP Calculator
Project wealth from monthly SIPs using transparent annuity-due compounding. See how cutting a lifestyle leak accelerates your corpus.
Amount invested at the start of each month
Annual return assumption (% p.a.)
Years to compound
Adjust for inflation
Show corpus in today's purchasing power
Impulse spend you could redirect into this SIP
Year-wise growth
| Year | Invested | Wealth gained | Total value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
| 11 | ₹13,20,000 | ₹14,26,148 | ₹27,46,148 |
| 12 | ₹14,40,000 | ₹17,82,522 | ₹32,22,522 |
| 13 | ₹15,60,000 | ₹21,99,311 | ₹37,59,311 |
| 14 | ₹16,80,000 | ₹26,84,180 | ₹43,64,180 |
| 15 | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 |
| 16 | ₹19,20,000 | ₹38,93,782 | ₹58,13,782 |
| 17 | ₹20,40,000 | ₹46,39,208 | ₹66,79,208 |
| 18 | ₹21,60,000 | ₹54,94,392 | ₹76,54,392 |
| 19 | ₹22,80,000 | ₹64,73,254 | ₹87,53,254 |
| 20 | ₹24,00,000 | ₹75,91,479 | ₹99,91,479 |
Corpus after 20 years
₹99,91,479
Invested amount
₹24,00,000
Estimated gains
₹75,91,479
If you cut ₹3,000/mo leak
₹1.3 Crore
+₹29,97,444 extra
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Calculator guide
How to use the SIP Calculator
Use this SIP calculator to estimate how a monthly mutual fund investment can compound over time. The tool separates invested amount, estimated gains, and maturity value so the result is easier to compare with other goals.
SIP calculator formula
M = P x ({[1 + i]^n - 1} / i) x (1 + i)
- M is the maturity value at the end of the SIP period.
- P is your monthly SIP amount.
- i is the monthly return rate, calculated as annual CAGR divided by 12.
- n is the total number of monthly investments.
What is a SIP calculator?
A SIP calculator estimates the future value of regular monthly mutual fund investments. It is useful when you want a quick answer to questions like: how much can Rs 10,000 per month become in 20 years, or how much extra wealth can one avoided impulse spend create?
PaisaProof uses transparent annuity-due compounding, which assumes the monthly SIP is invested at the start of each month. This gives a slightly more realistic result for investors whose SIP debit happens early in the month.
How to use this SIP calculator
Enter your monthly SIP, expected CAGR, and investment period. The result panel shows the projected corpus, while the table shows how invested amount and gains build year by year.
The lifestyle leak input is the PaisaProof layer: add a monthly spend you could redirect into your SIP. This makes the calculator more practical than a plain projection because it connects wealth growth to a real behaviour change.
SIP vs lumpsum investing
SIP investing spreads entries across market cycles and helps build discipline. Lumpsum investing can work better when money is already available and markets perform well after the investment date.
Many investors use both: SIPs for monthly income and lumpsum investing for bonuses, ESOP liquidity, or idle savings. Compare both paths with the related calculators below before making a plan.
Frequently asked questions
What is the minimum SIP amount?+
Many mutual funds allow SIPs from Rs 500 per month, though the exact minimum depends on the fund and platform.
Are SIP returns guaranteed?+
No. SIP returns depend on market performance and fund selection. This calculator is an illustration, not a return guarantee.
Is SIP better than FD?+
SIPs can offer higher long-term growth potential but carry market risk. FDs offer more predictable returns but may lose purchasing power after tax and inflation.
Can I stop or pause a SIP?+
Most platforms allow SIP pause, cancellation, or amount changes. Check the rules on your mutual fund or investment platform.
What CAGR should I use for SIP planning?+
Use conservative assumptions. PaisaProof defaults to 12 percent for long-term equity-style illustrations, but actual returns can be lower or higher.