SIP Calculator
Calculate your SIP returns with PayClever — enter your monthly investment, expected return, and duration to see your estimated corpus, total investment, and year-by-year growth.
Your estimated corpus
₹99,91,479
- Total invested
- ₹24,00,000
- Estimated returns
- ₹75,91,479
Share your result
Estimated corpus
₹99,91,479
Invested: ₹24 Lakh · Returns: ₹75.91 Lakh
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Year-by-year growth schedule
For ₹10,000/month at an assumed 12% p.a. over 20 years. Each row shows what you've invested so far, your corpus value at year end, and how much of that is estimated growth.
| Year | Invested to date | Corpus value | Estimated returns |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
| 11 | ₹13,20,000 | ₹27,46,148 | ₹14,26,148 |
| 12 | ₹14,40,000 | ₹32,22,522 | ₹17,82,522 |
| 13 | ₹15,60,000 | ₹37,59,311 | ₹21,99,311 |
| 14 | ₹16,80,000 | ₹43,64,180 | ₹26,84,180 |
| 15 | ₹18,00,000 | ₹50,45,760 | ₹32,45,760 |
| 16 | ₹19,20,000 | ₹58,13,782 | ₹38,93,782 |
| 17 | ₹20,40,000 | ₹66,79,208 | ₹46,39,208 |
| 18 | ₹21,60,000 | ₹76,54,392 | ₹54,94,392 |
| 19 | ₹22,80,000 | ₹87,53,254 | ₹64,73,254 |
| 20 | ₹24,00,000 | ₹99,91,479 | ₹75,91,479 |
Corpus on common SIP amounts
Illustrative outcomes at an assumed 12% p.a. for 15 years — enter your own numbers above for an exact figure, since actual market returns vary.
| Monthly SIP | Total invested | Estimated corpus |
|---|---|---|
| ₹5,000 | ₹9 Lakh | ₹25.23 Lakh |
| ₹10,000 | ₹18 Lakh | ₹50.46 Lakh |
| ₹25,000 | ₹45 Lakh | ₹126.14 Lakh |
| ₹50,000 | ₹90 Lakh | ₹252.29 Lakh |
How much SIP do you need for ₹1 Crore?
The monthly SIP required to reach a ₹1 Crore corpus, at an assumed 12% p.a., across a few common durations.
| Duration | Required monthly SIP |
|---|---|
| 10 years | ₹43,041 |
| 15 years | ₹19,819 |
| 20 years | ₹10,009 |
| 25 years | ₹5,270 |
How SIP compounding actually works
Every SIP calculator, including this one, is built on the same idea: each installment you invest gets compounded forward at your expected return for however many months are left in your tenure. In formula terms, if P is your monthly installment, r is your expected monthly return (annual return ÷ 12 ÷ 100), and n is the number of months you invest, your maturity value is the sum of every installment compounded forward — which works out to P × [(1+r)n − 1] ÷ r × (1+r) for a flat (non-step-up) SIP. Your first installment gets almost the full n months to compound; your last installment barely compounds at all — which is exactly why starting early matters more than almost any other factor in SIP investing.
This is also why the gap between your total invested amount and your estimated corpus widens so dramatically over longer durations, even at the same monthly amount. In the early years, most of your corpus is simply the money you've put in — growth hasn't had time to compound yet. By the later years, growth on growth starts contributing more to your corpus than your own fresh installments do. The year-by-year table above shows this directly: watch how the "estimated returns" column accelerates relative to your invested amount as the years go on.
A step-up SIP is a way to front-load less of the commitment: instead of picking one monthly amount you can sustain from day one, you start smaller and increase it every year, typically in line with your income growth. Because your money still has years left to compound even after each increase, a step-up SIP can meaningfully outgrow a flat SIP with the same starting amount — without ever requiring you to invest more than you can afford in any given year.
None of this changes the fact that the return rate itself is an assumption. Equity mutual fund returns are market-linked and volatile year to year — a fund that has averaged 12% over the last decade could return well above or below that in any single year of your own SIP. Use a return assumption you'd be comfortable being wrong about in either direction, not the best year a fund has ever had.
Frequently asked questions
How is SIP maturity value calculated?
Each month's SIP installment is assumed to be invested at the start of the month and compounds at your expected monthly return (annual return ÷ 12 ÷ 100) for the rest of the tenure. Maturity value = the sum of every installment compounded forward to the end of your tenure — the same convention used by most Indian SIP calculators (installments debited at the start of the month).
Is the return SIP calculators show guaranteed?
No — the return rate you enter is an assumption, not a guarantee. Mutual fund returns are market-linked and vary year to year; this calculator simply projects what a constant assumed return would compound to, so you can compare scenarios. Past fund performance is not a reliable predictor of future returns.
What is a step-up SIP?
A step-up SIP increases your monthly installment by a fixed percentage every year, typically in line with expected income growth. It builds a meaningfully larger corpus than a flat SIP of the same starting amount, since your later, larger installments still get years to compound — this calculator lets you model that increase directly.
How much SIP do I need to reach ₹1 Crore?
It depends entirely on your expected return and time horizon — the same monthly amount reaches very different outcomes over 10 years versus 25 years. As a reference point, roughly ₹19,800/month for 15 years at an assumed 12% annual return would get you to ₹1 Crore. Use the calculator above with your own numbers for an exact figure.
What's the difference between a SIP and a lump sum investment?
A SIP spreads your investment across regular monthly installments, which averages your purchase price across market ups and downs (rupee-cost averaging) and doesn't require a large sum upfront. A lump sum invests everything at once, which can outperform a SIP in a rising market but carries more timing risk. Most retail investors in India use SIPs specifically to avoid needing to time the market.
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FY 2026-27 · Last updated September 2026
PayClever gives you an informational estimate, not tax, legal, or financial advice — check with a professional before acting on it.