Finance Calculators
SIP Calculator
Estimate the future value of your monthly SIP investments, with a clear split of invested amount and estimated returns.
About the SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into mutual funds. This SIP calculator projects how that disciplined investing could grow, thanks to the power of compounding.
Enter your monthly investment, an expected annual return and the investment period to see your total invested, estimated returns and final value, plus a year-by-year growth table.
How to use the SIP Calculator
- Enter your monthly investment.
- Enter the expected annual return.
- Set the investment period in years.
- Click Calculate SIP Returns.
How the calculation works
FV = P × ((1+i)^n − 1) ÷ i × (1+i)
P = monthly amount · i = monthly return · n = months
P = monthly amount · i = monthly return · n = months
Example
Investing ₹10,000/month for 15 years at 12% could grow to about ₹50 lakh, from ₹18 lakh invested.
Frequently asked questions
A SIP is a way to invest a fixed sum in mutual funds at regular intervals, smoothing out market ups and downs.
No. The expected return is an assumption; actual mutual fund returns vary with the market and are not guaranteed.
Returns earned each period are reinvested, so over time you earn returns on your returns as well as your contributions.
Yes, adjust the expected return to model conservative, moderate or aggressive scenarios.