A SIP (Systematic Investment Plan) puts a fixed amount into a mutual fund every month. This calculator shows how much you would invest over time and what that could grow to at the return you assume.
How the SIP calculator works
The calculator uses the standard future value formula for a monthly SIP:
FV = P × [((1 + i)n − 1) ÷ i] × (1 + i)
Here P is the monthly amount, i is the monthly rate (annual return ÷ 12) and n is the number of months. A ₹5,000 SIP for 10 years means ₹6,00,000 invested; the rest of the final value comes from compounding.
Frequently asked questions
Is the SIP return guaranteed?
No. Mutual fund returns change every year and can be negative. The return you enter is an assumption, so treat the result as an estimate, not a promise.
What return should I assume?
Many people test a range, for example 8%, 10% and 12%, to see how sensitive the result is. Check the long-term record of the fund category you are considering rather than a single good year.
Does this include tax or exit load?
No. The estimate is before capital gains tax, exit load and expense differences between funds.
Related guides
More free calculators
- Lumpsum CalculatorOne-time investment growth
- SWP CalculatorMonthly withdrawal plan
- CAGR CalculatorAnnual growth rate of any investment
- Position Size CalculatorHow many shares to buy for a fixed risk
- Risk Reward CalculatorRisk, reward and breakeven win rate
This calculator is for education and illustration. Results are estimates based on the numbers you enter and are not a prediction, guarantee or investment advice.