SIP Calculator
Estimate how much your monthly SIP (Systematic Investment Plan) investment could grow to, based on your monthly contribution, expected annual return, and investment duration.
About this sip calculator
SIP is one of the most common ways to invest in mutual funds in India, a fixed amount invested every month that grows over time through market returns and compounding. This calculator projects that growth.
How sip calculator works
The formula is: FV = P × [(1 + r)^n − 1] ÷ r × (1 + r), where P is the monthly investment, r is the monthly rate of return, and n is the number of months. For example, investing ₹5,000 per month at an expected 12% annual return for 10 years grows to roughly ₹11.6 lakh, against ₹6 lakh actually invested.
Common uses
- Projecting the future value of a monthly SIP investment
- Comparing different monthly investment amounts
- Estimating how long it takes to reach a savings goal via SIP
How to use this tool
- Enter your monthly investment amount.
- Enter the expected annual return percentage.
- Enter the investment duration in years.
- See the estimated maturity value, amount invested, and estimated gain.
What to know before using it
Mutual fund returns are not guaranteed and vary by market performance, this calculator assumes a constant return rate as a projection tool, actual results will differ, and past or expected returns do not guarantee future performance.
Privacy and browser-first processing
This tool runs entirely in your browser using JavaScript. Nothing you enter is uploaded or stored.
Frequently asked questions
Is the SIP return guaranteed?
No, this is a projection based on an assumed average annual return, actual mutual fund returns vary with market performance and are never guaranteed.
What return rate should I use?
Use a conservative, realistic estimate based on the fund category you are considering, equity funds historically vary widely year to year, so check a fund's actual historical performance rather than assuming a fixed number.