Reva Money · Calculators · SIP calculator
Work out what a monthly SIP grows to over any number of years, how much is your money and how much is growth, and what starting late costs.
| Monthly SIP | ₹10,000 |
|---|---|
| Years | 20 years |
| Expected return a year | 12% |
| In 20 years | ₹99.91 L |
| You put in | ₹24.00 L |
| Growth | ₹75.91 L |
| Your money multiplies | 4.16× |
A SIP puts the same amount into a mutual fund every month. Each instalment grows for the months it stays invested, so the early ones grow the most.
The calculator assumes the instalment goes in at the start of each month and the return compounds monthly. Real funds move up and down; this shows the result of a steady average.
Formula: Value = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i the yearly return ÷ 12 and n the number of months.
At 12% a year, about ₹99.91 L, from ₹24.00 L put in.
Use a figure you can defend. Many people try 10% to 12% for equity funds over long periods and 6% to 7% for debt funds. Try a lower number too, to see the range.
No. A mutual fund’s return depends on the market, and past returns don’t promise future ones. The calculator shows what a steady yearly return would give, so you can compare amounts and time.
Each year you wait removes a year of compounding at the end, when the amount is largest. On a ₹10,000 SIP at 12%, waiting 5 years out of 20 leaves you with about half.
Illustrative only. These figures assume steady returns, which real investments don’t give. They are not investment advice.