SIP Calculator
Estimate what a monthly Systematic Investment Plan (SIP) could grow to, based on your monthly amount, expected annual return, and how long you invest.
How the projection works
Each monthly investment is assumed to grow at the same compounded monthly rate (your annual return divided by 12) for the remaining time until maturity, and all the monthly instalments are summed using the standard SIP future-value formula. Real fund returns fluctuate month to month rather than compounding smoothly, so this is a simplified projection, not a promise.
Important note
This calculator gives an estimate for planning purposes using standard formulas and the rate you enter. Actual returns depend on market performance (for market-linked options), the scheme's official compounding rules, and rates that change over time — this is not a guarantee of returns and not financial advice. Check current official rates before relying on any figure here.
Frequently asked questions
What return rate should I use for a SIP calculator?
There's no single correct number — equity mutual funds have historically returned roughly 10–14% annually over long periods in India, though returns vary by fund and time period and are never guaranteed. Try a few different rates to see a realistic range of outcomes rather than relying on one figure.
How much should I invest monthly to reach a target amount?
This calculator projects forward from a monthly amount to a maturity value — to work backward from a target corpus, try a few different monthly amounts and compare the resulting maturity values until one matches your goal.
Does SIP investing guarantee returns?
No — SIP is just a way of investing a fixed amount regularly into a mutual fund; the returns still depend entirely on how the underlying fund performs, which can go up or down with the market. This calculator's projection assumes a constant rate for simplicity, which real markets don't provide.
What's the benefit of investing monthly instead of a lump sum?
Regular monthly investing (rupee-cost averaging) buys more units when prices are low and fewer when prices are high, which can smooth out the impact of market volatility compared to investing everything at once — though it doesn't guarantee better returns than a lump sum in every scenario.