SIP Calculator
Estimate the maturity value of your monthly SIP (Systematic Investment Plan) investment based on your monthly amount, expected return, and tenure.
Results
| Invested Amount | |
|---|---|
| Estimated Returns | |
| Total Maturity Value |
What is SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount into a mutual fund every month, building wealth steadily through the power of compounding and rupee-cost averaging.
How the SIP calculator works
The calculator uses the standard compound interest formula for SIP: FV = P × [( (1+i)^n – 1 ) / i ] × (1+i), where P is your monthly investment, i is the monthly rate of return, and n is the total number of instalments.
How to use this tool
- Enter your planned monthly investment amount.
- Enter the expected annual return — equity mutual funds historically average 10–14%.
- Enter your investment period in years and click Calculate to see your estimated maturity value.
Frequently Asked Questions
Is the SIP calculator result guaranteed?
No. This calculator provides an estimate based on the expected annual return you enter. Actual mutual fund returns vary with market performance and are not guaranteed.
What is a realistic expected return for equity SIPs?
Historically, diversified equity mutual funds in India have delivered 10-14% annualised returns over long periods, though this can vary significantly year to year.
Does this calculator account for inflation or taxes?
No, this is a pre-tax, pre-inflation estimate of maturity value. Consult a financial advisor for an inflation-adjusted and tax-adjusted projection.
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