SIP Calculator
See how a fixed monthly investment can grow over time with compounding returns, and how much of the final value is your own contribution.
How to use SIP Calculator
- 1Enter the amount you plan to invest every month.
- 2Enter the expected annual rate of return (mutual funds don't guarantee returns — use a realistic estimate).
- 3Enter the investment duration in years.
- 4View your estimated maturity value, total invested amount and total estimated gains.
About SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund. Because returns compound monthly, even modest contributions can grow significantly over long periods. This calculator estimates the maturity value based on your monthly contribution, expected annual return and investment duration.
SIP Future Value Formula
Where P is the monthly instalment, i is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the total number of instalments.
Example Calculation
Investing ₹10,000 per month for 15 years at an expected 12% annual return.
| Monthly Investment | ₹10,000 |
| Duration | 15 years (180 months) |
| Expected Return | 12% per year |
| Total Invested | ₹18,00,000 |
| Estimated Returns | ≈ ₹32,40,000 |
| Maturity Value | ≈ ₹50,40,000 |
Benefits
- • Visualise how compounding grows a monthly investment over the long term.
- • Compare different monthly amounts or durations before you commit.
- • Understand the split between your own contribution and market-driven gains.
Common mistakes
- • Assuming the expected return rate is guaranteed — mutual fund returns fluctuate with the market.
- • Ignoring the effect of fund expense ratios and exit loads on real returns.
- • Stopping a SIP during a market dip, which works against long-term compounding.
Frequently Asked Questions
No. Mutual fund returns are market-linked and not guaranteed. This calculator only projects a value based on the return rate you enter.
No, the maturity value shown is in nominal terms. Reduce your expected return by an assumed inflation rate to see an inflation-adjusted estimate.
Related tools
EMI Calculator
Calculate your monthly loan EMI, total interest and payment breakdown.
Compound Interest Calculator
Calculate compound interest and maturity value on any investment.
FD Calculator
Calculate fixed deposit maturity value and interest earned.
RD Calculator
Calculate recurring deposit maturity value from monthly deposits.