Calculate the maturity value of your monthly SIP — total invested, estimated gains and final corpus, instantly and free.
The calculator applies the standard future-value-of-annuity formula used by AMFI and every major fund house: FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where P is your monthly instalment, i the monthly return (annual ÷ 12) and n the number of months.
Example: ₹10,000/month for 10 years at 12% p.a. means you invest ₹12 lakh in total, and the estimated maturity value is about ₹23.2 lakh — your money roughly doubles through compounding alone.
SIPs average your buying price across market cycles and remove the need to time entries — ideal for monthly income. A lump sum deployed early captures more compounding time when markets trend up. We compare both approaches in detail in our SIP vs Lump Sum guide.
SIP maturity value uses the future-value-of-annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly investment, i is the monthly rate (annual return ÷ 12) and n is the number of months. This assumes each instalment is invested at the start of the month, the standard AMFI convention.
Indian large-cap equity funds have historically delivered around 11-13% CAGR over 10+ year periods, while the Nifty 50 TRI has returned roughly 12% over the long term. Most planners model 10-12% for equity SIPs to stay conservative. Past returns do not guarantee future performance.
SIP spreads your purchase across market levels (rupee-cost averaging), which reduces timing risk and suits salaried investors. Lump sum can outperform when markets rise steadily after investment. Statistically, lump sum wins slightly more often, but SIP wins on discipline and drawdown comfort.
Yes. Each SIP instalment has its own holding period. For equity funds, units held over 12 months attract 12.5% LTCG tax on gains above ₹1.25 lakh per year; units held 12 months or less attract 20% STCG. Use our capital gains tax calculator to estimate the tax.
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Browse stocks with AI analysis →This calculator is for education and information only — it is not investment, tax or financial advice. VestAI is not a SEBI-registered investment adviser. Verify all calculations independently before acting on them.