Investments calculator
SIP Calculator
Estimate how a monthly Systematic Investment Plan (SIP) in a mutual fund could grow over time. Change the monthly amount, expected return and period to see the effect instantly.
An assumption, not a forecast. Try a few different rates.
Illustrative future value
₹58.1 lakh
₹25,000/month for 10 years at an assumed 12% a year
- Amount invested
- ₹30 lakh
- Estimated growth
- ₹28.1 lakh
- Future value
- ₹58.1 lakh
- Amount invested
- Estimated growth
Formula: FV = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r), where r is the monthly rate and n the number of months. Assumes a constant return every month. Real returns vary and can be negative.
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How to use the sip calculator
- 1
Enter the amount you plan to invest every month.
- 2
Choose an expected annual rate of return. This is an assumption, so try a few different rates.
- 3
Choose how many years you plan to stay invested, then review the future value and the year-by-year chart.
Example
₹25,000 a month for 10 years at an assumed 12% a year: you would invest ₹30 lakh, and the illustrative future value would be about ₹58.1 lakh. Actual results will differ.
How the SIP calculator works
The calculator uses the standard formula for a series of monthly investments made at the start of each month: FV = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r), where P is the monthly investment, r is the monthly rate of return (annual rate ÷ 12) and n is the number of months.
It assumes the same return every month. Real mutual fund returns go up and down, and can be negative, so treat the result as an illustration of how regular investing and time work together, not as a forecast.
Why time matters more than timing
With a SIP, each instalment buys units at the price on that day, so you buy at different market levels over time. The longer you stay invested, the larger the share of your final value that can come from growth rather than from the money you put in.
Try increasing the period by five years with the same monthly amount and notice how the growth portion changes.
Frequently asked questions
Is the SIP calculator result guaranteed?
No. The calculator assumes a constant rate of return, but mutual fund returns vary from year to year and are not guaranteed. The result is an illustration to help you plan.
What rate of return should I use?
There is no correct number. Many people try a cautious, a middle and an optimistic rate to see a range of outcomes. Past returns of any fund or category do not indicate future returns.
Does the calculator include tax or exit loads?
No. It shows a pre-tax value and does not include exit loads or other charges. Taxation depends on the type of fund, how long you hold it and the tax rules at the time.
Can I increase my SIP amount later?
Yes. Most fund houses let you start an additional SIP or use a step-up feature that increases the instalment periodically. Speak to us if you would like help setting this up.
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A calculator gives you a starting point. We can help you understand what it means for your situation, with no obligation.
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