Finzace Wealth Solutions

SIP Calculator

Work out what a monthly SIP turns into. Set your instalment, the return you expect and how long you will stay invested, and see the corpus split into the money you put in and the money compounding earned for you.

₹
₹500₹5,00,000
%
1%25%
yr
1 yr40 yr
%
0%25%
%
0%12%

Corpus after 10 years

₹23.23 L

₹23,23,391

  • Invested amount₹12.00 L52%
  • Estimated returns₹11.23 L48%

You invest

₹12.00 L

120 instalments

You gain

₹11.23 L

94% of capital

Worth today

₹12.97 L

After 6% inflation

Monthly

₹10,000

Level SIP

How the corpus builds up

The gap between the two lines is compounding. It stays narrow for years, then widens sharply — which is why tenure matters more than instalment size.

Projected valueInvested
Year 0Year 10

Not everything belongs in equity

A SIP builds the growth half of a portfolio. Pair it with fixed-income you can actually count on — FDs from 50+ issuers and listed corporate bonds, both on Finzace.

Explore FDsExplore bonds

What is a SIP calculator?

A SIP calculator estimates the maturity value of a Systematic Investment Plan — a fixed amount invested on the same date every month. It answers the question that actually matters when you set up a mandate: if I keep this going for the next ten or twenty years, what am I likely to end up with?

The maths is an annuity. Each instalment is invested at a different time, so each one compounds for a different number of months: the first instalment in a 10-year SIP compounds for 120 months, the last one for a single month. Adding up 120 separately-compounded amounts by hand is tedious and error-prone, which is the whole reason this tool exists.

One caveat worth naming up front. A SIP is a way of investing, not an asset class. The return you type in is an assumption, not a promise — an equity fund can return 14% over one decade and 7% over the next. Treat the output as a planning range, not a number to bank on.

SIP formula: how the maturity amount is calculated

This calculator treats instalments as paid at the start of each month — an annuity due — because that is how an AMC actually debits a mandate. That is worth one extra month of growth on every instalment compared with the end-of-month convention.

FV = P × [ ((1 + i)^n − 1) / i ] × (1 + i)

FV
Maturity value — the corpus at the end of the tenure
P
Monthly instalment (SIP amount)
i
Monthly rate of return, i.e. the annual rate ÷ 12 ÷ 100
n
Total number of instalments (years × 12)

Worked example — ₹10,000 a month for 10 years at 12% p.a.

  • i = 12 ÷ 12 ÷ 100 = 0.01
  • n = 10 × 12 = 120
  • FV = 10,000 × [ (1.01^120 − 1) / 0.01 ] × 1.01
  • FV = 10,000 × 230.04 × 1.01

Maturity value ≈ ₹23,23,391 on ₹12,00,000 invested

How to use the Finzace SIP calculator

  1. 1Enter the amount you can invest every month. Start with what you can sustain in a bad month, not a good one — a SIP you pause defeats the point.
  2. 2Set the expected annual return. Equity funds have historically averaged 11–14% over long periods; debt funds and hybrid funds sit lower. Being conservative here costs you nothing.
  3. 3Choose how many years you will stay invested. Drag this one slider back and forth before you touch anything else — tenure moves the result more than any other input.
  4. 4Add an annual step-up if you expect your income to rise. A 10% step-up on a ₹10,000 SIP roughly doubles the corpus over 20 years.
  5. 5Set an inflation assumption to see what the corpus is worth in today's rupees. ₹1 crore in 2046 is not ₹1 crore.

Why use a SIP calculator before you start

Turns a vague intention into a number you can act on this month.
Shows the invested-versus-returns split, so you can see when compounding starts doing the heavy lifting.
Makes the cost of a late start visible — compare starting now with starting in three years.
Lets you test a step-up before committing to one.
Separates nominal corpus from what it actually buys after inflation.
Free, instant and unlimited — model a dozen scenarios before deciding.

What ₹10,000 a month becomes at 12% p.a.

The single most useful thing a SIP calculator teaches is that the curve is not a straight line. Compare the 5-year row with the 25-year row below: the instalment is identical, the tenure is five times longer, and the corpus is over twenty times larger.

TenureTotal investedEstimated corpusEstimated gain
5 years₹6,00,000₹8,25,000₹2,25,000
10 years₹12,00,000₹23,23,000₹11,23,000
15 years₹18,00,000₹50,46,000₹32,46,000
20 years₹24,00,000₹99,91,000₹75,91,000
25 years₹30,00,000₹1,89,76,000₹1,59,76,000
30 years₹36,00,000₹3,52,99,000₹3,16,99,000
Illustrative figures at an assumed 12% p.a., instalments at the start of each month, rounded to the nearest thousand. Actual returns will differ.

SIP or lumpsum — which suits your money?

If you have a sum sitting in your account today, a lumpsum investment gets every rupee compounding immediately, and over a long horizon that usually wins. If your money arrives as a salary, a SIP is the only realistic option — and it brings rupee-cost averaging, buying more units when markets fall.

In practice most people run both: a SIP against monthly income, and a lumpsum whenever a bonus or maturity payout lands. Run the numbers on both before deciding.

  • SIP suits regular income, volatile assets and long horizons.
  • Lumpsum suits money already in hand, especially in debt and fixed-income instruments where timing risk is limited.
  • A step-up SIP is the middle path: it grows with your income without needing a new decision each year.

SIP calculator — frequently asked questions

Is the return shown by a SIP calculator guaranteed?
No. The calculator compounds the return rate you enter — it does not forecast markets. Equity returns vary widely across periods, and a fund that averaged 13% over the last decade may not repeat it. Use the output as a planning estimate and revisit it every year or two.
What return rate should I assume for a SIP?
For diversified equity mutual funds over horizons of ten years or more, 11–13% p.a. is a commonly used planning assumption. For hybrid funds, 8–10%; for debt funds, 6–8%. If you are unsure, model your plan at a lower rate — a plan that works at 10% will comfortably survive 13%, while the reverse is not true.
Does this calculator account for taxes and expense ratios?
No. It projects gross returns. A fund's expense ratio is already reflected in its published NAV-based returns, so if you enter a historical net return you have effectively accounted for it. Capital gains tax on redemption is not deducted — for equity funds held over a year, long-term capital gains above the annual exemption are taxable at the prevailing rate.
What is a step-up SIP and is it worth it?
A step-up (or top-up) SIP raises your instalment by a fixed percentage each year, usually in line with your salary. It is one of the highest-leverage settings on this page: a 10% annual step-up on a ₹10,000 SIP at 12% over 20 years produces close to ₹2 crore against about ₹1 crore for a level SIP — for a first-year outlay that is identical.
Can I stop or pause a SIP?
Yes. A SIP is a mandate, not a lock-in, and you can pause or cancel it with your fund house or platform at any time — ELSS funds are the exception, where each instalment is locked for three years. Stopping early, though, removes exactly the years in which compounding contributes most.
How is a SIP different from a recurring deposit?
Both take a fixed amount every month. A recurring deposit pays a contracted interest rate with no market risk; a SIP into a mutual fund carries market risk and no assured return, but has historically delivered higher long-run returns in equity. An RD is a savings instrument, a SIP is an investment one.
What does the inflation-adjusted figure mean?
It restates your future corpus in today's purchasing power. At 6% inflation, ₹1 crore twenty years from now buys roughly what ₹31 lakh buys today. Planning against the nominal number is the most common way long-horizon goals end up underfunded.

The figures shown are illustrative projections generated from the inputs you enter, not a guarantee of returns. Market-linked investments are subject to market risk; actual returns will vary with market conditions, fund performance, expense ratios, exit loads and applicable taxes. Read all scheme-related documents carefully before investing.

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