SIP Calculator
Estimate what a monthly mutual fund SIP could grow into, based on how much you invest, for how long, and at what expected rate of return.
Investment details
Projected maturity value
How SIP returns are calculated
A SIP works like a chain of small investments, each of which compounds for a different length of time — the first instalment compounds for nearly the full period, the last one barely compounds at all. The standard future-value-of-annuity formula accounts for this.
P = monthly investment, i = expected monthly return (annual rate ÷ 12 ÷ 100), n = number of months
The gap between the total invested and the projected maturity value is the compounding effect — it grows faster the longer the SIP runs, which is why starting early matters more than investing large amounts later.
Frequently asked
What is a SIP?
A Systematic Investment Plan — a fixed amount invested in a mutual fund at regular intervals, usually monthly, instead of all at once.
Are SIP returns guaranteed?
No. Returns depend on the market and the fund's performance. The rate used here is an assumption for planning, not a promise.
What return rate should I assume?
Many long-term equity SIP calculators use 10–14% as an illustrative range, but the right assumption depends on the fund category and your own risk view.
Related calculators
Figures are estimates for planning purposes only and do not constitute financial advice.