Does this account for taxes on my gains?

No. Version 1 does not model tax on investment growth — check with a tax advisor for how gains on your specific investment type are taxed.

What return rate should I use?

That's your own planning assumption, not something this calculator supplies — it depends entirely on where you invest. Consider running the calculator at a few different rates to see a range of outcomes.

CalculatorFinancialLive

SIP Calculator

Project the future value of your monthly SIP investments, with total invested and estimated gains shown separately.

Last updated 17/08/2026

Enter your monthly investment amount.

Stored only in this browser — never uploaded, no account required.

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Enter valid inputs to see your result.

How this works

What it means

The projected future value of a fixed monthly SIP (Systematic Investment Plan) contribution, along with your total invested amount and estimated gains.

How it’s calculated

Uses the same shared compound-growth formulas as the Retirement Corpus Planner and Goal Savings Planner, applying your entered expected annual return, compounded monthly, over your chosen investment period.

Common Defence use cases

Estimating where a recurring SIP habit could take you, and comparing different monthly amounts, periods or return assumptions before committing to one.

Formula

Estimated Value = FutureValue(Monthly Investment as monthly SIP, Expected Return, Years × 12)
Total Invested = Monthly Investment × (Years × 12)
Estimated Gains = Estimated Value − Total Invested

Assumptions

This is a planning estimate only, based on a constant assumed rate of return you enter yourself — actual investment returns vary and are never guaranteed. Not financial advice.
Monthly contributions are assumed to occur at the end of each month (an "ordinary annuity" convention) — a simplification, not a claim about how any specific bank or AMC processes SIP instalments.
Does not account for inflation, taxes on investment gains, or fund expense ratios.

Example calculations

₹10,000/month, 15 years, Expected Return 12%

Estimated Value ≈ ₹50.46 lakh — Total Invested ≈ ₹18 lakh — Estimated Gains ≈ ₹32.46 lakh

₹5,000/month, 10 years, Expected Return 10%

Estimated Value ≈ ₹10.33 lakh — Total Invested ≈ ₹6 lakh — Estimated Gains ≈ ₹4.33 lakh

Frequently asked questions

No. It's calculated assuming your entered rate of return holds constant every month — actual investment returns vary, so the real outcome will differ. Not financial advice.