SIP Calculator
Free SIP calculator: estimate the future value of a monthly mutual fund investment, total invested amount and estimated gains for any period.
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Runs in your browser. Nothing you enter is uploaded.
How to use the SIP Calculator
- Enter the amount you invest each month.
- Enter the return you expect per year.
- Enter the number of years.
- Read the future value and the yearly growth table.
What is a SIP?
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals, usually monthly, into a mutual fund. Because you buy at different prices, you average your cost, and compounding builds on earlier gains.
SIP formula
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
P = monthly amount, i = annual rate ÷ 12 ÷ 100, n = months
This assumes each instalment is made at the start of the month.
Worked example
10,000 a month for 10 years at 12% a year: you invest 12,00,000 and the estimated value is 23,23,391, so gains are about 11,23,391.
Important limits
- Market-linked returns are not guaranteed. The rate is an assumption, not a promise.
- Taxes, expense ratios and exit loads are not deducted here.
- Increasing the monthly amount or the number of years affects the result far more than small changes in the rate.
Frequently asked questions
How is SIP return calculated?
With the future value of an annuity formula that compounds each monthly instalment at the monthly rate.
What return should I assume?
Use a conservative rate you are comfortable with. Long-term equity fund returns vary widely, and past returns do not guarantee future results.
Is SIP better than a lump sum?
It depends on markets and discipline. SIP reduces timing risk and suits regular income, while a lump sum benefits from more time invested.
Does this include tax?
No. Capital gains tax and fund charges are not included.