How is SIP maturity calculated?

SIP maturity is calculated using the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months (years × 12).

What is a good monthly SIP amount?

A good starting SIP amount is 20% of your post-tax monthly income. Use SIPfy's SIP Goal Planner to find the exact monthly SIP needed to reach any target corpus by your goal year.

Home/Calculators/SIP Returns (XIRR) Calculator

SIP Tracking

SIP Returns (XIRR) Calculator — your true annualized return

Calculate the actual XIRR of your existing SIP. Enter your monthly SIP amount, how long it's been running, and the current portfolio value — the calculator computes your true annualized return.

Calculator Inputs

Monthly SIP amount

₹

₹500₹200,000

SIP running for

130%

Current portfolio value

₹

₹1,000₹100,000,000

💡 Tip: Use the sliders for quick adjustments, or type exact numbers in the input fields for precise calculations.

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Visualization

Year-by-Year Breakdown

What is XIRR and why does it matter?

The correct metric

XIRR (Extended Internal Rate of Return) is the correct way to measure returns on any investment with multiple cash flows at different times — which is exactly what a SIP is.

How it works

XIRR is the annualized discount rate that makes the net present value (NPV) of all cash flows equal to zero. Each SIP instalment is treated as a negative cash flow, and the current portfolio value as a positive cash flow.

How to use

Enter your monthly SIP amount, how long the SIP has been running, and your current portfolio value. Read the XIRR — this is your true annualized return.

The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.

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