SIP Calculator
Estimate your wealth growth via mutual fund SIPs based on expected returns.
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Quick Tip
Enter the amount you plan to invest each month.
About This Tool
Why use SIP Calculator?
A systematic investment plan puts a fixed amount into a fund every month. This calculator uses the future value of an annuity due — FV = P × ((1+i)ⁿ − 1) ÷ i × (1+i) — where P is the monthly amount, i the monthly return and n the number of instalments.
At ₹25,000 a month for 10 years with a 12% expected annual return, you invest ₹30 lakh and end with roughly ₹58 lakh. The gain comes from compounding, and it accelerates late in the term, which is why starting earlier matters more than investing more. The return rate is an assumption, not a promise: market returns vary year to year and can be negative.
Key Benefits
Monthly compounding
Each instalment compounds from the month it is invested, which is how a SIP actually behaves.
Invested versus returns
The split shows how much of the final value is your money and how much is growth.
Easy scenario testing
Change the term or the amount to see the effect of starting sooner or investing more.
How to use SIP Calculator
- 1
Enter the amount you plan to invest each month.
- 2
Set an expected annual return — 10–12% is a common long-term assumption for equity funds.
- 3
Choose the investment period in years.
- 4
Compare the amount invested with the estimated returns to see the compounding effect.
Best use cases
Plan a monthly investment towards a goal amount.
See what a five-year head start is worth.
Compare different monthly contributions.
Set a realistic target for a house deposit or education fund.
SIP Calculator FAQs
How is SIP return calculated?
Each instalment compounds for the months remaining in the term, which is the future value of an annuity. The formula used here assumes the instalment is invested at the start of each month.
What return rate should I assume?
Long-term equity funds are often modelled at 10–12%, debt funds lower. These are assumptions, not guarantees; actual returns vary and can be negative over short periods.
Is SIP better than a lump sum?
A SIP spreads out the entry price, which reduces the risk of investing everything at a market peak. Over rising markets a lump sum invested early can do better, but it carries more timing risk.
Does this include taxes and fees?
No. Fund expense ratios, exit loads and capital gains tax all reduce the real figure, so treat the result as a gross estimate.
Related Finance Tools
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