About the SIP Calculator
A SIP (systematic investment plan) puts a fixed amount into a mutual fund every month. This SIP calculator shows how much you would invest, the estimated returns and the total value at the end of your chosen period, assuming a steady annual return.
How to use this calculator
- Enter how much you plan to invest every month.
- Set the annual return you expect. Equity funds have historically been more volatile than debt funds, so try a few rates.
- Choose how many years you will keep investing.
- Read the total value and open the year-by-year table to see how the money grows.
Formula
FV = P × [(1 + i)^n − 1] / i × (1 + i), where P is the monthly SIP, i is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months. The extra (1 + i) assumes each instalment is invested at the start of the month, the way most SIP calculators work.
Example
Investing ₹10,000 a month for 15 years at an assumed 12% a year means ₹18,00,000 invested. The estimated value is ₹50,45,760, so about ₹32,45,760 comes from returns.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market and change every year. The calculator uses one steady rate only to illustrate how compounding works.
What is the minimum amount for a SIP?
Many mutual funds accept SIPs from ₹100 or ₹500 a month. The exact minimum is set by each fund house.
Is a SIP better than a lumpsum investment?
A SIP spreads your buying over time, which suits a monthly income and reduces the risk of investing everything at a market peak. A lumpsum can grow more if markets rise steadily after you invest. Use the Lumpsum calculator to compare.
Why does my real return differ from the calculator?
Actual returns vary month to month, and expense ratios, exit loads and taxes reduce what you keep. Treat the result as an estimate, not a promise.
These results are estimates for illustration and education only, not investment advice.