SIP Calculator
See exactly how your monthly investment compounds into wealth over the years.
Your investment
Equity mutual funds have historically returned 10–14% over the long term. Returns are not guaranteed.
Projected value
₹50.46L
₹50,45,760
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals — usually every month. Because you invest consistently regardless of market ups and downs, you benefit from rupee-cost averaging and the long-term power of compounding. This SIP calculator shows the projected maturity value of your investments so you can plan realistic goals.
How the SIP calculator works
The calculator uses the standard future-value formula for a series of monthly investments:
FV = P × [ (1 + i)ⁿ − 1 ] / i × (1 + i)
Here P is your monthly investment, i is the monthly rate of return (annual rate ÷ 12), and n is the total number of months. Move the sliders and the projected corpus updates instantly — nothing is sent to a server, so your numbers stay private.
Frequently asked questions
Is the SIP return guaranteed?+
No. Mutual funds are subject to market risk and returns vary year to year. The calculator uses an assumed constant annual return for illustration. Equity funds have historically averaged 10–14% over long periods, but past performance does not guarantee future results.
What return rate should I assume?+
A conservative long-term assumption for diversified equity funds is 10–12%. For debt or hybrid funds, use 6–8%. It's wise to plan with a slightly lower rate so you're pleasantly surprised rather than short.
Does a longer SIP really make that much difference?+
Yes — dramatically. Because returns compound on returns, the last few years of a long SIP contribute the most growth. Starting even a few years earlier can add lakhs to your final corpus.
Can I use this calculator outside India?+
Absolutely. Switch the currency to USD or GBP and use it for any regular monthly investing plan, such as a US 401(k) contribution or a UK stocks & shares ISA.
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