SIP Calculator
Estimate the future value of your monthly mutual fund SIP. Adjust the investment amount, duration and expected annual return to see how compounding grows your money over time.
Invested
₹12,00,000
Est. returns
₹11,23,391
Total value
₹23,23,391
Frequently asked questions
What is a SIP?+
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals — typically monthly — instead of a lump sum. SIPs average your purchase cost across market cycles and build the discipline of regular investing.
How is SIP return calculated?+
This calculator uses the standard future-value-of-annuity formula: FV = P × ((1+i)^n − 1) / i × (1+i), where P is the monthly investment, i is the monthly rate (annual return ÷ 12), and n is the number of months.
What return should I assume for equity mutual funds?+
Long-term Indian equity fund returns have historically ranged widely; many planners use 10–14% per year for illustrations. Actual returns are not guaranteed and can be lower or negative over shorter periods.
Is the calculator result guaranteed?+
No. The output is an illustration based on the assumptions you enter. Mutual fund investments are subject to market risk — consult a SEBI-registered advisor before investing.
Projections are illustrative, not guaranteed. Mutual fund investments are subject to market risks — read all scheme-related documents carefully and see our disclaimer.