SIP Calculator

See how much your monthly SIP could grow — enter your investment, expected return and period to get the future value, amount invested and estimated returns.

Future value
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Invested
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Est. returns
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What is a SIP?

A Systematic Investment Plan (SIP) is a way of investing a fixed amount in a mutual fund every month. Because returns compound and you keep buying through market ups and downs (rupee-cost averaging), SIPs are one of the most popular ways to build long-term wealth in India.

How the SIP calculation works

This calculator uses the standard future-value formula for a monthly investment: FV = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly amount, i the monthly rate (annual ÷ 12) and n the number of months. Returns are an assumption, not a guarantee — markets vary.

Real-world example

Invest ₹10,000 a month for 10 years at an assumed 12% annual return and you could accumulate about ₹23.2 lakh — having invested ₹12 lakh, with roughly ₹11.2 lakh of estimated returns. Extending to 20 years more than triples the corpus, thanks to compounding.

Frequently asked questions

Using the future-value formula for a monthly investment: FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly amount, i the monthly return rate and n the number of months.

No. The return rate is an assumption based on expected market performance. Actual mutual fund returns vary and are not guaranteed.

Yes. Because returns compound, a longer period dramatically increases the final corpus — starting early is the biggest advantage.

Yes. It is free and runs entirely in your browser.