SIP Calculator
See what your monthly investment grows into over time.
Your investment
Increase your monthly SIP by this % every year, e.g. with your salary.
Results update live — calculations run in your browser, no signup.
₹99.91 L
Total value after 20 years — 4.16× what you put in
Assumes a constant 12.0% annual return compounded monthly. Returns are not guaranteed.
How your invested amount compares with the estimated value over time.
| Year | Total invested | Est. value | Returns |
|---|---|---|---|
| Year 1 | ₹1.20 L | ₹1.28 L | ₹8,093 |
| Year 5 | ₹6.00 L | ₹8.25 L | ₹2.25 L |
| Year 10 | ₹12.00 L | ₹23.23 L | ₹11.23 L |
| Year 15 | ₹18.00 L | ₹50.46 L | ₹32.46 L |
| Year 20 | ₹24.00 L | ₹99.91 L | ₹75.91 L |
Prices rise over 20 years — the same corpus buys less. Toggle this into the main result:
Nominal return
12.0%
Real return
+5.7%
In today's money
₹31.15 L
After 6% inflation, your ₹99.91 L will buy what ₹31.15 L buys today. Adjust the inflation rate under Advanced options.
Future value of a ₹10,000/month SIP across different return assumptions and horizons.
| Return \ Years | 10y | 15y | 20y | 25y |
|---|---|---|---|---|
| 8% | ₹18.42 L | ₹34.83 L | ₹59.29 L | ₹95.74 L |
| 10% | ₹20.66 L | ₹41.79 L | ₹76.57 L | ₹1.34 Cr |
| 12% | ₹23.23 L | ₹50.46 L | ₹99.91 L | ₹1.90 Cr |
| 14% | ₹26.21 L | ₹61.29 L | ₹1.32 Cr | ₹2.73 Cr |
| 16% | ₹29.65 L | ₹74.86 L | ₹1.75 Cr | ₹3.97 Cr |
Highlighted cell matches your current plan. Returns are illustrative assumptions, not guarantees.
SIP vs lumpsum
If you'd invested the same ₹24.00 L as one lump sum today instead of spreading it over 20 years.
Via SIP
₹99.91 L
Lumpsum today
₹2.32 Cr
At a steady 12.0% return, a lump sum invested today ends higher because every rupee earns for the full 20 years. A SIP wins on discipline and risk-spreading — most people don't have the full ₹24.00 L on day one, and it avoids betting everything on one entry point.
- 76% of your final corpus is growth — money you never deposited.
- Staying invested 5 more years would take it to ₹1.90 Cr.
- After 6% inflation, it buys what ₹31.15 L buys today.
Compounding does the heavy lifting
Of your ₹99.91 L corpus, ₹75.91 L is pure growth — 76% of the total. The amount you save matters less than how long you let it compound.
Your plan at a glance
- Monthly SIP: ₹10,000
- Total invested: ₹24.00 L
- Wealth gained: ₹75.91 L (4.16× your money)
- Real return after 6% inflation: 5.7% p.a.
- Future value in 20 years: ₹99.91 L
Start investing in mutual funds
Open a free account with ICICI Prudential AMC and start an SIP online. ICICI Prudential Mutual Fund, at no extra cost to you.
Your plan: ₹10,000/month for 20 years → about ₹99.91 L.
Plan the rest of your money life
Turn this SIP into a plan — a goal, a retirement corpus, or a lumpsum comparison.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. The figures above are projections based on a constant assumed return and do not guarantee future performance.
How a SIP maturity is calculated
FV = P × [ ((1 + i)ⁿ − 1) ÷ i ] × (1 + i)
- FV
- future value (maturity)
- P
- monthly investment
- i
- monthly rate = annual rate ÷ 12 ÷ 100
- n
- number of months = years × 12
Worked example
With your inputs — ₹10,000/month at 12.0% for 20 years: the monthly rate is i = 1.000% and n = 20 × 12 = 240 instalments. Each contribution compounds for the months it stays invested, summing to a maturity of about ₹99.91L — ₹24.00L invested and ₹75.91L of growth.
Most asked SIP questions
A Systematic Investment Plan invests a fixed amount in a mutual fund at regular intervals (usually monthly). It builds wealth through rupee-cost averaging and the power of compounding, without needing to time the market.
Each monthly contribution earns the expected return for the months it stays invested. We sum the future value of every instalment, assuming contributions at the start of each month and a constant annual return compounded monthly.
No. Mutual fund returns are market-linked and vary year to year. The rate you enter is an assumption — equity funds have historically returned ~11–14% over long periods, but actual results can be higher or lower, and some years are negative.
A step-up (or top-up) SIP increases your monthly contribution by a fixed percentage every year, typically in line with your income growth. It dramatically increases the final corpus for a small change today.
If you have a large sum ready, investing it all today (lumpsum) puts every rupee to work from day one and usually ends higher in a rising market. A SIP suits salaried investors building wealth from monthly income, and spreads risk across time so you aren't exposed to one bad entry point.
The future value is in nominal (today-quoted) rupees. We also show the real return after inflation and the inflation-adjusted value, so you can see what your corpus is actually worth in today's money.
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The complete guide to SIP investing
Why SIPs work
A Systematic Investment Plan invests a fixed amount in a mutual fund every month. Because you invest the same amount regardless of price, you automatically buy more units when markets are low and fewer when they're high — a discipline called rupee-cost averagingthat removes the need to time the market. Over long horizons, compounding does the heavy lifting: each year's returns earn returns of their own.
How SIP returns are calculated
Each instalment grows for the number of months it stays invested. This calculator sums the future value of every contribution, assuming a constant annual return compounded monthly and contributions made at the start of each month — the same approach as a standard SIP maturity formula.
Nominal vs real return
The headline future value is in nominal rupees. What actually grows your wealth is the real return — what's left after inflation erodes purchasing power. A 12% nominal return against ~6% inflation is closer to a 5.7% real return, and the corpus in today's money is smaller than the rupee figure suggests. The calculator shows both so you plan with the honest number.
SIP vs lumpsum
A lumpsum invests everything at once and, at a steady return, ends higher because every rupee compounds for the full term. A SIP spreads risk across time and suits salaried investors building wealth from monthly income — most people don't have the full corpus on day one. Many investors do both: a SIP for discipline, lumpsums when they have surplus.
Taxation in India
For equity funds, gains on units held over 12 months are long-term, taxed at 12.5% above a ₹1.25 lakh yearly exemption; units held less are short-term at 20%. Each SIP instalment has its own holding period. Debt funds are taxed at your slab rate. Rules change — verify with a tax adviser.
Best practices & common mistakes
Start early, step up your SIP as income grows, and stay invested through volatility — stopping a SIP in a downturn forfeits the cheapest units. The most common mistakes are setting the amount too low for the goal, chasing last year's top fund, and redeeming early. Review annually, not daily.