SIP Calculator
Estimate how much your monthly SIP in a mutual fund could grow to, with total invested amount and estimated returns.
What is the SIP Calculator?
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund every month. Regular investing averages your purchase cost and lets compounding work over time.
How does it work?
The calculator assumes a constant expected annual return compounded monthly, with each instalment invested at the start of the month (the convention used in AMC illustrations). Actual mutual fund returns vary and are not guaranteed.
Formula
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)
P = monthly SIP, i = annual return ÷ 12 ÷ 100, n = months
Example
₹5,000 per month for 10 years at 12% expected return: invested ₹6,00,000, estimated value ₹11,61,695, gains ₹5,61,695.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on market performance. The calculator shows an illustration based on the return you enter.
What return should I assume?
Use conservative estimates: long-term equity funds are often illustrated at 10–12%, debt funds at 6–7%. Past performance does not guarantee future returns.
Can I increase my SIP every year?
Yes. Use the SIP Returns Calculator to model an annual step-up.
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