One of the biggest questions new investors ask is: “If I invest ₹5,000 every month, how much will I have in 10 years?”
Mental math doesn’t work here because of Compound Interest—the eighth wonder of the world. A small difference in interest rate or time period can change your final amount by lakhs.
Use our Free SIP Calculator below to visualize your financial future instantly.
Free SIP Return Calculator
Adjust the sliders below to see your estimated returns.
SIP Calculator
How Does a SIP Calculator Work?
Our calculator uses the standard Compound Interest formula used by banks and financial institutions.
The Formula: M = P × ({[1 + i]^n - 1} / i) × (1 + i)
Where:
- M = Maturity Amount (Final Value)
- P = Monthly Investment Amount (e.g., ₹5000)
- i = Monthly Interest Rate (Annual Rate / 12 / 100)
- n = Number of Months (Years × 12)
Why Use a SIP Calculator?
- Goal Planning: Know exactly how much you need to save to reach ₹1 Crore.
- Inflation Check: See if your savings are enough to beat inflation.
- Reality Check: Helps you adjust expectations (e.g., expecting 25% returns every year is unrealistic; the calculator defaults to a realistic 12%).
SIP Returns at a Glance (Cheat Sheet)
If you don’t want to use the sliders, here is a quick reference table for a ₹10,000 Monthly SIP:
| Duration | Total Invested | Value @ 12% (Conservative) | Value @ 15% (Aggressive) |
|---|---|---|---|
| 5 Years | ₹6 Lakhs | ₹8.2 Lakhs | ₹9 Lakhs |
| 10 Years | ₹12 Lakhs | ₹23.2 Lakhs | ₹27.8 Lakhs |
| 15 Years | ₹18 Lakhs | ₹50.4 Lakhs | ₹67.6 Lakhs |
| 20 Years | ₹24 Lakhs | ₹99.9 Lakhs | ₹1.5 Crores |
Notice how the value doubles between Year 15 and Year 20? That’s the power of compounding.
Frequently Asked Questions (SIP Calculator)
NO
Equity Funds: Gains above ₹1.25 Lakhs/year are taxed at 12.5% (LTCG).
Debt Funds: Gains are taxed as per your income tax slab.
For safe planning, assume 12% for equity mutual funds. While some small-cap funds give 20%+, they are volatile. 12% is a realistic long-term average for the Nifty 50.
Yes! This is called a Step-Up SIP. Increasing your SIP by just 10% every year can double your final wealth compared to a fixed SIP.
No. This calculates the nominal future value. To account for inflation, you should aim for a higher goal amount.
Disclaimer: This calculator is for educational purposes only. Projected returns are estimates and not guarantees. Mutual Fund investments are subject to market risks. Please consult a SEBI-registered financial advisor before investing. TheListree.com does not provide financial advice.