SIP Calculator
Estimate how much a monthly SIP could grow over time. Enter monthly amount, expected annual return, and years to see total invested, estimated gains, and maturity value. Educational projection only.
- Last reviewed:
- What we verified
- Future value of ordinary annuity formula; returns are user-assumed.
- Source
- Indian tax and finance tools use slabs and rates from official government publications (e.g. Income Tax Department) and widely accepted financial formulas. Rates are reviewed when regulations change.
- Official references
- Disclaimer
- Results are estimates for planning purposes only. Not financial, legal, tax, or medical advice. Verify with a qualified professional before making decisions.
Country-specific calculator. Amounts stay in India (INR) even if you change the header country.
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Formula & method
FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P = monthly SIP, r = monthly return (annual% ÷ 12 ÷ 100), n = months.
Examples
- ₹5,000/month for 10 years at 12% p.a. → invested ₹6,00,000, maturity ≈ ₹11.6 lakh (illustrative)
- Higher tenure and return increase compounding, actual fund returns vary.
Wrong result? Report an issue · Methodology
How to Use
- Enter your planned monthly SIP amount.
- Set expected annual return (historical equity funds have varied widely, use a conservative figure).
- Set investment period in years and read maturity value.
Frequently Asked Questions
Is the return guaranteed?
No. The return field is your assumption. Mutual fund SIPs are market-linked; past performance does not guarantee future results.
Does this include taxes or exit load?
No. It shows a gross projection before tax, fees, and loads. Consult your fund factsheet for actual charges.
Guides & worked examples
Start with examples →SIP Calculator Examples
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