SIP Calculator
Estimate the future value of your monthly mutual fund SIP.
Returns are market-linked and not guaranteed — this is an estimate based on a constant assumed rate.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
See how a monthly Systematic Investment Plan (SIP) could grow. Enter your monthly investment, the expected annual return and the duration to estimate the maturity value, the total amount you invested, and the wealth gained through compounding.
How to use the SIP Calculator
- Enter your monthly SIP amount.
- Enter the expected annual return (%).
- Enter the investment duration in years.
- See the estimated maturity value and total gains instantly.
Frequently asked questions
How does a SIP calculator work?
It applies the future-value-of-a-series formula: M = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly amount, i is the monthly return (annual ÷ 12 ÷ 100), and n is the number of months.
Are the returns guaranteed?
No. Mutual fund returns are market-linked and vary. The calculator uses an assumed constant rate to project an estimate — actual results will differ.
What return rate should I assume?
Many investors model equity SIPs at around 10–12% per year for long-term planning, but this is only an assumption — adjust it to your own expectations.