SIP Calculator
Project returns on a monthly investment.
Runs entirely in your browser — nothing you enter is uploaded or sent to a server.
The return you enter is only an assumption — real fund returns rise and fall with the market, and this leaves out expense ratio, exit load and tax on gains. It's an illustration, not investment advice or a guarantee: mutual fund investments are subject to market risks. Read our full disclaimer.
About this tool
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals, usually monthly. Because each instalment compounds for the rest of the term, small monthly amounts can grow into a sizeable corpus. This calculator estimates that future value from your monthly amount, an expected annual return, and how long you invest — and shows how much of the final figure is your own money versus market returns.
Example
₹10,000 invested every month for 10 years at 12% p.a. grows to about ₹23.2 lakh — of which ₹12 lakh is invested and roughly ₹11.2 lakh is estimated returns.
How to use
- 1Enter the amount you plan to invest every month.
- 2Set the annual return you expect (a long-term equity SIP is often modelled around 10–12%).
- 3Set how many years you'll keep investing.
- 4Read your estimated future value, total invested, and estimated returns instantly.
Features
- Future value, amount invested, and estimated returns react as you tweak any input.
- Separates the money you contribute from the growth the market adds.
- Sliders and number fields both work — use whichever you prefer.
Frequently asked questions
How is the SIP future value calculated?
It uses the standard SIP formula for investments made at the start of each month: FV = P × ((1 + i)^n − 1) / i × (1 + i), where P is the monthly amount, i is the monthly rate (annual ÷ 12), and n is the number of months.
Are the returns guaranteed?
No. The expected return is an assumption you choose. Actual market returns vary year to year and can be higher or lower, so treat the result as an estimate for planning, not a promise.
What return should I assume for a SIP?
That's your choice, and it's only an assumption. Long-term equity mutual funds are often modelled around 10–12% a year and debt funds lower, but real returns vary year to year and aren't guaranteed. Try a cautious and an optimistic figure to see the range of outcomes.
What's the difference between a SIP and a lump-sum investment?
A SIP invests a fixed amount every month, so you buy in at many different prices over time (rupee-cost averaging); a lump sum invests it all at once. For a one-time amount, use our Compound Interest calculator instead.
Is this financial advice?
No — it's an illustration, not investment advice. The return you enter is an assumption and real markets vary year to year, so treat the projection as a rough guide, not a promise. See our Disclaimer.
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