SIP Calculator

See what your monthly SIP could grow into. Enter your monthly investment, expected annual return and tenure — the maturity value, invested amount and estimated returns update instantly.

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Equity funds have historically returned around 10–14% per year over long periods — but past returns do not guarantee future performance.

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Maturity value

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Invested Returns

How SIP returns are calculated

A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund every month. Because each instalment compounds for a different length of time, the maturity value uses the future-value-of-annuity formula: M = P × [(1+i)ⁿ − 1] ÷ i × (1+i), where P is the monthly amount, i is the monthly rate (annual rate ÷ 12), and n is the total number of months.

For example, ₹10,000 per month for 15 years at 12% expected annual return means investing ₹18 lakh in total, but the maturity value works out to roughly ₹50 lakh — nearly two-thirds of the final corpus comes from compounding, not contributions. That is why starting early matters more than starting big.

Remember that mutual fund returns are market-linked and not guaranteed. Use a conservative return estimate for planning, and treat this projection as a guide rather than a promise.

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