SIP Calculator

See how much your monthly SIP could grow to. Estimate the future value and returns of your mutual-fund investment — free and instant.

Future value: ₹11,61,695

Total invested: ₹6,00,000

Estimated returns: ₹5,61,695

Visualise the power of monthly investing

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Thanks to compounding and rupee-cost averaging, small monthly amounts can grow significantly over time. This calculator shows your estimated future value, the total you invested, and the estimated returns for any monthly amount, expected return rate and time period.

Adjust the inputs to plan towards a goal — a car, a home down payment, or retirement. The figures are estimates based on the return you assume; actual market returns vary. Nothing is stored; it all runs in your browser.

Frequently asked questions

How does a SIP calculator work?
It uses the future-value formula for a series of monthly investments: FV = M × ((1+i)^n − 1) / i × (1+i), where M is the monthly amount, i is the monthly return rate, and n is the number of months.
Are the returns guaranteed?
No. SIP returns depend on market performance. The calculator uses an expected annual return you choose; actual mutual-fund returns will vary.
What return rate should I assume?
Equity mutual funds have historically returned roughly 10–14% per year over the long term, but this is not guaranteed. Use a conservative figure to plan.
Is it free?
Yes — free, no sign-up, and it runs entirely in your browser.

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