SIP Calculator

What This SIP Calculator Does

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund instead of investing a lumpsum all at once. This calculator projects what a monthly SIP could grow into over time, based on an amount you choose, an expected annual return, and how many years you plan to stay invested.

The Formula

SIP growth follows the future value of an annuity formula: FV = P × [((1+r)ⁿ - 1) / r] × (1+r), where P is your monthly investment, r is the monthly rate of return (annual rate divided by 12), and n is the total number of months. The extra (1+r) at the end accounts for each instalment earning returns from the start of that month, the standard convention Indian SIP calculators use.

How to Use It

Move the sliders (or type directly into the boxes) for your monthly investment, the annual return you expect, and the number of years. The result updates instantly - no submit button needed - showing your total invested amount, the estimated returns on top of that, and the combined total value.

A Word on the "Expected Return"

The return percentage you enter is an assumption, not a guarantee. Equity mutual funds have historically delivered strong long-term returns, but they fluctuate year to year and can go through multi-year stretches of flat or negative performance. Use a conservative, realistic number rather than the best year you have ever seen quoted, and treat the output as a planning estimate rather than a promise.

Who This Is For

Anyone comparing "what if I invested X per month" scenarios before starting or increasing a SIP, or checking whether a given monthly amount and time horizon can realistically reach a goal. If you already know your target amount and want to work backwards to the required monthly SIP instead, use the Goal-Based SIP Calculator.