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SIP Calculator

Estimate the future value and wealth gain of your monthly SIP mutual fund investment.

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SIP details

Result

Enter SIP details to estimate your future value.
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About this tool

Estimate the future value of a monthly Systematic Investment Plan (SIP) using the standard compound-growth SIP formula. Actual mutual fund returns are market-linked and not guaranteed.

How to use the SIP Calculator

  1. Enter your planned monthly SIP investment amount in rupees.
  2. Enter the expected annual rate of return (%) — a realistic long-term assumption based on your fund type.
  3. Enter the investment duration in years.
  4. Click Calculate to instantly see your total invested amount, estimated wealth gain, and final maturity value.

Frequently asked questions

Is the SIP return guaranteed?

No. This is an estimate based on your assumed rate of return; actual mutual fund returns fluctuate with the market.

What return rate should I assume?

Many long-term equity SIPs historically averaged 10-14% p.a. in India, but past performance doesn't guarantee future returns.

Can I use this for a lump sum investment instead?

This calculator is built specifically for recurring monthly SIP investments. For a one-time lump sum, the growth formula is different.

Does this account for inflation or taxes?

No, the result shows nominal future value only. Actual post-tax, inflation-adjusted returns will be lower.