SIP Calculator

Calculate the future value of your monthly SIP (Systematic Investment Plan) in mutual funds, along with total amount invested and total returns earned.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
This calculator projects the future value of a monthly SIP investment based on your monthly amount, expected annual return, and investment duration.
₹
The amount you plan to invest every month.
%
Expected annual rate of return from the mutual fund (past performance does not guarantee future returns).

Your result

₹11,61,695.38

Future value of investment

Total amount invested₹6,00,000
Total returns (wealth gained)₹5,61,695.38

AI explanation

Formula

FV = P × (((1+i)^n − 1) / i) × (1+i), where i = monthly rate, n = number of months

Worked example

₹5,000/month for 10 years at 12% expected return

Worked example: ₹5,000/month for 10 years at 12% expected return
FieldValue
Monthly investment5000
Expected annual return12
Investment duration (years)10
Future value of investment1161695.38
Total amount invested600000
Total returns (wealth gained)561695.38

Assumptions

  • Assumes the investment is made at the start of each month (standard SIP debit convention).
  • Assumes a constant expected annual return for the entire duration — actual mutual fund returns vary and are not guaranteed.
  • Does not account for expense ratio, exit load, or taxation on redemption.

Frequently asked questions

What is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals (usually monthly), building wealth gradually through rupee-cost averaging and compounding.

Are SIP returns guaranteed?

No. Mutual fund returns depend on market performance and are never guaranteed. The "expected return" you enter is an assumption for projection purposes only, not a promise.

What happens if I increase my SIP amount every year?

A step-up SIP (increasing your monthly investment periodically) generally builds a larger corpus than a flat SIP of the same starting amount — a dedicated SIP Step-Up Calculator models this.

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How SIP Returns Are Calculated (With a Worked Example)

A SIP's future value is calculated with the annuity-due formula FV = P × (((1+i)ⁿ − 1) / i) × (1+i), where P is your monthly investment, i is the monthly expected return, and n is the number of months — it is a projection based on an assumed return, not a guarantee.

Read guide

Sources

Mutual fund investments are subject to market risk. This calculator projects a hypothetical future value based on an assumed constant rate of return and does not guarantee actual returns.

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