💰 Finance & Money

📈 SIP Calculator

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund rather than putting in a lump sum, which smooths out market ups and downs over time and builds the habit of regular investing. This SIP calculator projects the future value of your monthly investments based on an assumed annual rate of return, so you can see roughly how a ₹5,000 or ₹10,000 monthly SIP could grow over 5, 10 or 20 years.

It also breaks the maturity value into two parts — the total amount you actually invested, and the wealth gained purely from compounding returns — which makes it much easier to see the long-term power of starting early.

Monthly investment (₹)

Expected annual return (%)

Duration (years)

Enter your SIP details to see the projected maturity value.

How to use the SIP Calculator

Enter the amount you plan to invest every month.
Enter the expected annual rate of return (a mutual fund's historical average is a reasonable starting estimate, though future returns are never guaranteed).
Enter the investment duration in years.
View the estimated maturity value, total amount invested and total wealth gained.

The SIP future value formula

The future value of a SIP is calculated using the compound-interest-for-monthly-investment formula:

FV = P × [ ( (1 + i)^n − 1 ) / i ] × (1 + i)

Where P is the monthly investment amount, i is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the total number of instalments (years × 12).

Total invested = P × n, and wealth gained = FV − total invested.

Frequently asked questions

Is the return shown by this calculator guaranteed?

No. The expected rate of return you enter is an assumption, not a guarantee. Mutual fund returns are market-linked and fluctuate; this calculator simply projects what a fixed average rate would compound to, which is useful for planning but not a promise of actual future performance.

Why does starting a SIP early matter so much?

Because of compounding — money invested earlier spends more time compounding on itself. Two SIPs of the same monthly amount and rate can produce dramatically different maturity values if one starts even five years earlier, purely because of the extra compounding time.

What's a realistic expected return to enter?

This varies by fund type and market conditions, and past performance never guarantees future results. Many long-term equity mutual fund investors use a conservative long-run average as a planning assumption, but you should base this on your own research or a financial advisor's guidance rather than a fixed number.

Does this account for expense ratio or exit load?

No — this is a simplified projection based purely on monthly investment, rate of return and duration. Fund expense ratios, exit loads and taxes on capital gains are not factored in and will reduce your actual net returns.

📖 Related reading: SIP vs Lump Sum: Which Investment Strategy Wins?