SIP Calculator
Estimate what a monthly SIP could grow to at an expected rate of return.
Year-by-year growth
For information only. Results are estimates based on the numbers you enter and a constant rate. They are not financial, tax or investment advice — real returns, fees, taxes and lender terms vary. Speak to a qualified adviser before making financial decisions.
How it works
- Enter your monthly SIP amount.
- Enter the expected annual return and the number of years.
- See the estimated maturity value, total invested and estimated returns, year by year.
Frequently asked questions
How is SIP maturity value calculated?
The calculator uses the future value of an annuity due: M = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly investment, i the monthly return rate and n the number of months.
Are SIP returns guaranteed?
No. Mutual fund returns depend on market performance and change every year. The expected return you enter is an assumption, not a promise.
What return rate should I assume?
Many investors model equity funds with 10–12% and debt funds with 6–7% a year, but past performance does not guarantee future results. Try a conservative rate to be safe.
Are taxes and expense ratios included?
No. Fund expense ratios, exit loads and capital gains taxes reduce actual returns.
Plan your SIP
A systematic investment plan invests a fixed amount in a mutual fund every month. Because each instalment has a different amount of time to grow, the maturity value isn't simply amount × months — this calculator does the compounding for you.
Rupee cost averaging
Investing the same amount each month buys more units when prices are low and fewer when they're high. This smooths out market ups and downs, though it doesn't guarantee a profit.