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SIP Calculator

Future value of a monthly SIP or lump-sum mutual fund investment.

SIP inputs

Quick scenarios
Investment type

Wealth build-up over time

Stacked area: Invested + Gains (compounding)$0$10,000$20,000$30,000Yr 0Yr 2Yr 3Yr 5Yr 7Yr 8Yr 10
  • Invested
  • Gains (compounding)

Blue = your contributions. Green = compounding returns on top — the steeper it gets later, the more compounding is doing the work.

Sensitivity: what if returns are different?

Same plan with returns ±3 percentage points — equity returns are not guaranteed.

9% returns · 12% returns (your plan) · 15% returns over 11 points$0$10,000$20,000$30,000$40,000Yr 0Yr 2Yr 3Yr 5Yr 7Yr 8Yr 10
  • 9% returns
  • 12% returns (your plan)
  • 15% returns

In summary: Investing $120.00/mo at 12% for 10 years grows to $27,881 (1.9× your money).

Future value
$27,881
After 10 years · 94% absolute
  • Wealth multiple
    1.94× your investment
  • Absolute return
    94%
  • Total invested
    $14,400
  • Estimated gains
    $13,481

Wealth breakdown

Invested · $14,400: 51.6% · Returns · $13,481: 48.4%$27,881MATURITY
  • Invested · $14,40051.6%
  • Returns · $13,48148.4%

Detail

Total invested?
$14,400.00
Estimated gains?
$13,480.69
Wealth multiple
1.94×
SIP Calculator · Generated 4/27/2026 · calcly.app/calculators/financial/sip

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About the SIP Calculator

MethodologyHome

Future value of a monthly SIP or lump-sum mutual fund investment. Use this free sip calculator to get instant results. All calculations run in your browser — nothing is sent to a server.

Frequently asked questions

What does this SIP Calculator do?

Future value of a monthly SIP or lump-sum mutual fund investment.

Is it free?

Yes — every calculator on Calcly is free, with no sign-up or account required.

Does it work offline?

The site is a Progressive Web App — after your first visit, most pages work without an internet connection.