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See what a monthly SIP could grow to over 5, 10 or 20 years. Compare your invested amount with estimated gains and test different return rates.
Maturity value
โน7,65,69,690.96
Invested amount
โน2,40,00,000
Estimated gain
โน5,25,69,690.96
SIP results are estimates for planning and should be checked against current official rules or professional advice where applicable.
Say you put Rs 5,000 into an equity mutual fund every month for ten years. That is Rs 6 lakh of your own money. At an assumed 12% annual return, the corpus could reach roughly Rs 11.62 lakh. The extra Rs 5.62 lakh comes from compounding on every instalment.
A SIP calculator shows this growth before you commit. Enter your monthly amount, expected annual return and investment period. You get the estimated maturity value, total invested and estimated gains. It is a planning aid, since fund returns are never guaranteed and move with the market.
SIP projections use the future value of an annuity due. Each instalment is treated as invested at the start of the month.
FV = P ร [((1 + i)^n โ 1) รท i] ร (1 + i)
Plugging these in gives about Rs 11,61,695. Stay invested for 20 years instead, and the same Rs 5,000 grows to roughly Rs 49.96 lakh. Your own contribution would be just Rs 12 lakh. Doubling the time more than quadruples the outcome, which is why starting early matters so much.
On paper, a lump sum invested on day one grows more. The whole amount compounds for the full period. Real markets do not rise in a straight line, though.
| Approach (12% assumed, 10 years) | Total invested | Estimated value |
|---|---|---|
| Rs 6 lakh lump sum at the start | Rs 6,00,000 | Rs 18,63,509 |
| Rs 5,000 monthly SIP | Rs 6,00,000 | Rs 11,61,695 |
The comparison favours the lump sum. Most salaried people do not have Rs 6 lakh sitting idle on day one. A SIP fits monthly income and buys more units when prices dip. This effect, called rupee cost averaging, smooths out the timing risk of entering the market all at once.
The SIP calculator assumes a steady return every month. Actual NAVs swing, sometimes sharply. Check these points before treating any figure as a target.
On ToolsMate, try a few return rates, such as 8%, 10% and 12%. A range gives a more honest picture than a single optimistic number.
Use the fields in the tool above and keep units and formats consistent.
Review the result shown in the output area.
Confirm that the result matches your situation before using it for a decision.
Future value is estimated using monthly contributions, monthly return and compounding periods.This describes the core logic used by the tool. Check any assumptions that may affect your result.
Use accurate inputs and keep units consistent.
Review the assumptions before using the result for a decision.
Compare important results with an independent or official source.
No, mutual fund SIP returns depend on market performance and are not fixed. The calculator applies a constant assumed rate for illustration. Actual returns may be higher or lower, and equity funds can show negative returns over short periods.
Many planners use 10% to 12% for long-term equity fund projections, based on past index performance. Use a lower figure, around 7% to 8%, for debt or conservative hybrid funds. Testing a range gives you a safer planning window.
At an assumed 12% annual return, Rs 5,000 a month for 20 years could grow to about Rs 49.96 lakh. You would invest Rs 12 lakh yourself. The rest comes from compounding, which speeds up sharply in the later years.
A lump sum can grow more if markets rise steadily after you invest. A SIP reduces the risk of bad timing by spreading purchases across months. For most salaried investors, a SIP matches monthly cash flow and builds discipline.
Yes, most fund houses let you pause or cancel a SIP online without a penalty. Units already bought stay invested. An ELSS SIP is different, because each instalment carries its own three-year lock-in from the date it was made.
A step-up SIP raises your monthly amount by a fixed percentage or sum each year. Even a 10% yearly increase can lift the final corpus substantially over 15 to 20 years. It also keeps pace with rising income and inflation.
No, it shows a gross estimate before exit load, expense ratio and capital gains tax. Exit loads usually apply only if you redeem within a year. Check your fund's factsheet and current tax rules to estimate your net, in-hand amount.
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