# SIP Calculator: Monthly SIP Returns and Maturity Value > Free SIP calculator: enter monthly SIP, expected return and years to see the estimated maturity value, total invested and gains, with a yearly table. Source: https://trykosh.com/tools/sip-calculator Free tool - Investing # SIP calculator See what a monthly SIP could grow to. Enter how much you invest each month, an assumed yearly return and how long you'll stay invested. Rules checked 25 October 2026Free - no sign-upRuns in your browser Estimated value after 10 years INR 23,23,391 INR 23.23 lakh from INR 12 lakh invested You invest**INR 12,00,000** Estimated gains**INR 11,23,391** Money multiplied**1.9x** Invested **INR 12,00,000**Gains **INR 11,23,391** Year by year Year Invested Gains Value Year 1 INR 1,20,000 INR 8,093 INR 1,28,093 Year 2 INR 2,40,000 INR 32,432 INR 2,72,432 Year 3 INR 3,60,000 INR 75,076 INR 4,35,076 Year 4 INR 4,80,000 INR 1,38,348 INR 6,18,348 Year 5 INR 6,00,000 INR 2,24,864 INR 8,24,864 Year 6 INR 7,20,000 INR 3,37,570 INR 10,57,570 Year 7 INR 8,40,000 INR 4,79,790 INR 13,19,790 Year 8 INR 9,60,000 INR 6,55,266 INR 16,15,266 Year 9 INR 10,80,000 INR 8,68,215 INR 19,48,215 Year 10 INR 12,00,000 INR 11,23,391 INR 23,23,391 Assumes INR 10,000 goes in at the start of every month and grows at 12% a year, compounded monthly. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-sip-calculator) ## How the SIP calculator works A systematic investment plan (SIP) puts a fixed amount into a mutual fund on the same date every month. Each instalment buys units at that day's NAV, and every instalment then grows for however many months are left until you stop and value the investment. The calculator treats each instalment as paid at the start of the month, which is how fund houses illustrate SIPs. It converts your yearly return into a monthly rate (the yearly rate divided by 12), grows every instalment for its own number of months, and adds them up. Your first instalment compounds for the full period; your last one for just a month. The return you type in is an assumption. Equity funds are often illustrated at 10% to 12% a year over long periods, debt funds nearer 6% to 8%, but real returns swing from year to year and can be negative for long stretches. Treat the result as one scenario, and try a lower rate to see a more cautious one. The year-by-year table shows why time matters more than the amount. In the early years most of the value is your own money. In the later years the gains on earlier gains start to outweigh new contributions, which is why stopping a SIP early costs far more than it seems. FV = P x \[((1 + i)ⁿ − 1) / i\] x (1 + i) P monthly SIP amount i monthly rate = yearly return / 12 / 100 n number of monthly instalments ## Worked example: Ananya, INR 7,500 a month for 15 years Ananya, 27, a software tester in Bengaluru, sets up a INR 7,500 monthly SIP in an equity fund and plans to leave it alone for 15 years. At an assumed 12% a year she puts in INR 13.5 lakh and could end with about INR 37.84 lakh, of which INR 24.34 lakh is growth. At the 10-year mark the SIP is worth only about INR 17.43 lakh: more than half the final value builds up in the last five years. Estimated value after 15 years INR 37,84,320 INR 37.84 lakh from INR 13.5 lakh invested You invest**INR 13,50,000** Estimated gains**INR 24,34,320** Money multiplied**2.8x** Invested **INR 13,50,000**Gains **INR 24,34,320** Assumes INR 7,500 goes in at the start of every month and grows at 12% a year, compounded monthly. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. [Load this example into the calculator ->](?monthly=7500&years=15#calculator) ## Good to know - Most funds accept SIPs from INR 100 to INR 500 a month. You can pause, stop or change a SIP at any time; there's no penalty for stopping, only an exit load if you redeem units early. - Each instalment counts as a separate purchase for tax. In an equity fund, units held over 12 months are long-term: gains above INR 1.25 lakh a year are taxed at 12.5%. Units held 12 months or less are taxed at 20%. - The NAV a fund publishes is already net of its expense ratio, so you don't subtract fees again. Comparing a direct and a regular plan of the same scheme shows how much the expense ratio costs over time. - Missing a SIP date because of low balance usually just skips that month, but your bank may charge an auto-debit bounce fee. Several consecutive misses can make the fund house cancel the SIP. ## Frequently asked questions How is SIP return calculated? Each monthly instalment is grown at the assumed monthly rate for the number of months it stays invested, and the results are added up. That's the future value of an annuity paid at the start of each month. To measure the actual return on a running SIP, use XIRR, which accounts for the date of every instalment. Is 12% return on SIP guaranteed? No. 12% is a common illustration for equity funds over long periods, not a promise. Mutual fund returns depend on markets, and some 5-year periods have delivered far less or even losses. Mutual fund investments are subject to market risks, and past returns don't guarantee future ones. What will INR 5,000 a month in SIP become in 20 years? At an assumed 12% a year, INR 5,000 a month for 20 years (INR 12 lakh invested) grows to roughly INR 50 lakh. At 10% it would be about INR 38 lakh. Change the inputs above to see your own numbers year by year. Should I choose a SIP date at the start or end of the month? Over many years the date makes almost no difference to returns. Pick a date a few days after your salary arrives so the debit never bounces. Are SIP returns taxable? Only when you redeem. Gains on equity funds held over 12 months are long-term and taxed at 12.5% above INR 1.25 lakh a year; shorter holdings are taxed at 20%. Debt fund units bought from 1 April 2023 are taxed at your slab rate whatever the holding period. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.