SIP Calculator
Project the maturity value of a monthly SIP in mutual funds — total invested, estimated returns and growth year by year.
How it works
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P = monthly amount, i = annual return ÷ 12, n = months
A SIP invests a fixed amount every month, and each instalment compounds at the monthly rate derived from your expected annual return. Because early instalments compound the longest, most of the final gain comes from the years you stay invested rather than the size of any single instalment. The maturity value splits into what you put in and the returns those contributions earned.
Worked example
Investing ₹5,000 a month for 10 years at a 12% expected return grows to about ₹11.6 lakh. You contribute ₹6,00,000 over the decade, so roughly ₹5.6 lakh of the total is investment growth.
Frequently asked questions
Is the SIP return guaranteed?
No. SIPs invest in market-linked mutual funds, so the actual return varies year to year and can be negative over short periods. The expected return you enter is only an assumption for projection.
Does investing on a fixed date matter?
Barely. The SIP date has a negligible long-term effect; what matters is investing consistently and staying invested so compounding has time to work.
What return should I assume?
Diversified equity funds in India have historically returned roughly 10–12% over long horizons, with wide swings. Use a conservative figure and treat the result as an estimate, not a promise.
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Educational estimate only, not investment advice. Mutual-fund and market-linked returns are not guaranteed and past performance does not predict the future. Verify current fund details and consult a SEBI-registered adviser.