SIP Calculator
Estimate the future value of a monthly mutual fund SIP. Enter how much you invest each month, the return you expect, and for how long — and see the projected corpus, how much you put in, and how much is growth.
Enter your monthly investment, expected return and period to see your SIP value.
Projected value
₹0
| Amount invested | ₹0 |
| Estimated returns | ₹0 |
| Total value | ₹0 |
How SIP returns are calculated
A Systematic Investment Plan, or SIP, lets you invest a fixed amount in a mutual fund every month instead of all at once. Each instalment buys units at that month's price, so over time you average out the highs and lows of the market — a benefit known as rupee cost averaging. More importantly, your money has time to compound: returns earned in early years themselves earn returns in later years, which is why long-running SIPs can grow so much more than the total you contributed.
This calculator projects the maturity value using the standard future-value formula for a monthly investment — FV = P × ((1+i)n − 1) / i × (1+i) — where P is your monthly amount, i is the monthly return (the expected annual return divided by twelve and by a hundred) and n is the number of months. The final ×(1+i) term assumes each instalment is invested at the start of the month, the convention most Indian SIP calculators use. It then splits the result so you can see clearly how much is your own money and how much is growth.
The single biggest lever is time. Because compounding accelerates, a SIP held for twenty years typically earns far more in returns than the amount invested, while the same SIP held for five years is dominated by your contributions. Increasing the monthly amount helps too, but stretching the tenure usually does more for the final corpus. Try a few combinations to see the effect.
One important caveat: mutual fund returns are market-linked and not guaranteed. Real returns rise and fall each year and may differ a lot from a flat assumed rate, so treat the projection as an illustration, not a promise. A sensible approach is to use a conservative expected return — many long-term equity investors model around 10–12% — and to keep investing through market ups and downs rather than trying to time them.
Use this tool to set a goal and work backwards: pick a target corpus, then adjust the monthly amount, return and tenure until the projection matches. Always read the scheme documents and consider your risk appetite before investing.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) is a way of investing a fixed amount in a mutual fund every month. It spreads your investment over time, builds discipline, and lets you benefit from rupee cost averaging and compounding.
How are SIP returns calculated?
This calculator uses the future-value formula FV = P × ((1+i)n − 1) / i × (1+i), where P is the monthly investment, i is the monthly return (annual rate ÷ 12 ÷ 100) and n is the number of months. It assumes each instalment is invested at the start of the month.
Are SIP returns guaranteed?
No. Mutual funds are market-linked, so actual returns vary year to year and are not guaranteed. The calculator uses a constant expected return only to illustrate potential growth — treat the result as an estimate, not a promise.
What return rate should I assume?
It depends on the fund type. Many investors assume roughly 10–12% per year for diversified equity funds over the long term and less for debt funds, but past performance does not guarantee future returns. Use a conservative figure and compare a few scenarios.
Is a SIP better than a lumpsum investment?
Neither is always better. A SIP averages your purchase price over time and reduces the risk of investing everything at a market peak, which suits regular savers. A lumpsum can do better in a steadily rising market if you have the money upfront and the risk appetite.
This calculator is for general information only and is not investment advice. Mutual fund investments are subject to market risks; returns are not guaranteed. Read all scheme related documents carefully before investing.