MPMoney Planning Calculators
ESTIMATED FINAL AMOUNT₹23.23 Lakh
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INVESTING

SIP Calculator

Estimate how a monthly investment may grow over time. Returns are assumptions, not promises, and this is an educational estimate, not investment advice.

Your SIP details

₹
₹500₹5 L

The amount you plan to invest every month.

%
1%30%

Expected return is an assumption, not a promise. Test conservative and optimistic cases separately.

yr
1yr40yr

ESTIMATED FINAL AMOUNT

₹23.23 Lakh

after 10 years

SIP: ₹10,000Return: 12%Period: 10 yrTax: Not included

Total invested

₹12.00 Lakh

Estimated gains

₹11.23 Lakh

Wealth multiple

1.94x

Today's money

₹12.97 Lakh

Invested 52%
Gains 48%

Educational estimate only. This does not recommend any investment product, fund, or return assumption.

What this means

Based on your inputs, you invest ₹12,00,000 over 10 years. The estimated final amount is ₹23.23 Lakh, including estimated gains of ₹11.23 Lakh. A corpus means the total amount built up by the end of the period.

Working toward a specific goal? Use the Goal-Based Investment Planner →

What can change this

Lower returns, higher inflation, tax, exit loads, expense ratios, skipped SIPs, market volatility, and product-specific rules can reduce the final amount.

What to check next

Check the product document for tax treatment, expense ratio, exit load, lock-in, and whether missed contributions affect the plan.

Costs and assumptions

This estimate is based only on the information entered here.

Included
  • Monthly SIP amount
  • Expected return assumption
  • Investment period and annual SIP increase
  • Today's money estimate
Not included unless stated
  • Capital gains tax
  • Exit loads and expense ratios
  • Skipped SIPs
  • Market volatility and product lock-ins
What to check before deciding
  • Scheme or product document
  • Tax rules before redemption
  • Exit load and lock-in terms
  • Whether the SIP can be paused or changed
Understanding SIP growthSIP basics, return assumptions, annual increases, today's money, and when to use this calculator.

What is SIP?

A SIP is a regular investment made at fixed intervals, usually monthly. This calculator estimates how those monthly contributions may grow over time under the return assumption you enter.

Expected return is only an assumption

The return rate is not a promise. Market-linked returns vary from year to year, and the same SIP can end with different outcomes depending on market conditions.

How annual SIP increase works

Annual SIP increase raises the monthly contribution once every year. It can help model a contribution that rises with income, but the calculator still assumes the increase happens regularly.

Today's money

Today's money converts the estimated future corpus into current purchasing power. It helps show why a large future number may feel smaller after prices rise.

When to use this calculator

Use this page to test monthly investment scenarios for long-term goals, compare return assumptions, understand the impact of annual SIP increases, and see the difference between invested amount and estimated gains.

Example calculation

Suppose you invest ₹10,000 per month for 10 years at a 12% annual return assumption. The calculator estimates the total invested amount, the future corpus, estimated gains, and what that future value may feel like in today's money. Change the return assumption or annual SIP increase above to compare scenarios.

Frequently asked questions

What is a SIP?
SIP stands for Systematic Investment Plan. It is a way to invest a fixed amount at regular intervals, usually every month, into an investment product such as a mutual fund.
Are SIP returns guaranteed?
No. The expected return entered here is only an assumption. Market-linked investments can move up or down, and actual returns can be higher or lower.
What does annual SIP increase mean?
Annual SIP increase means raising the monthly investment each year. For example, a 10% increase changes a monthly SIP of ₹10,000 to ₹11,000 in the next year.
What does today's money mean?
Today's money shows what the future amount may feel like after adjusting for rising prices. It helps compare a future corpus with current purchasing power.
Does this calculator include tax, exit load, or expense ratio?
No. This estimate does not include tax, exit loads, expense ratios, platform fees, or product-specific charges unless separately stated.
What happens if I skip SIP payments?
Skipped contributions can reduce the final amount because less money is invested and compounding has less time to work.
Is this investment advice?
No. This is an educational calculator. It does not recommend any fund, product, return assumption, or investment action.
How SIP growth is calculated

This shows the simplified method used for the estimate. It is meant for transparency, not as a full financial model.

Formula

Final amount = sum of each monthly investment grown at the monthly return rate

Scroll sideways if the formula is wider than the screen.

PMonthly investment amount
rMonthly return rate (annual rate / 12 / 100)
nTotal number of months

Assumption: Returns are compounded monthly. Annual SIP increase is applied at the start of each year.

Does not include market volatility, taxes, exit loads, expense ratios, skipped contributions, lock-ins, or product-specific rules.

What to calculate next

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Estimate the total savings needed at retirement and the monthly saving gap.

Plan retirement savings ›

Results are estimates for educational and planning purposes only. This is not investment advice, tax advice, or a recommendation to invest. Actual results depend on market returns, product terms, taxes, fees, exit loads, expense ratios, skipped contributions, and investor behaviour.