SIP Calculator
Estimate the future value of your monthly mutual fund SIP in seconds.
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. This SIP calculator projects how much wealth your monthly investment can create over time, using the power of compounding — so you can plan your goals with confidence.
How this calculator works
Enter your monthly investment amount, the number of years you plan to invest, and the annual return you expect from the fund. The calculator assumes your instalment is invested at the start of each month and compounds monthly. It instantly shows your total amount invested, the estimated returns generated, and the projected maturity value.
The formula
M = P × ({[(1 + i)^n − 1]} / i) × (1 + i)- M
- = Maturity value
- P
- = Monthly SIP amount
- i
- = Monthly rate of return (annual rate ÷ 12 ÷ 100)
- n
- = Total number of instalments (years × 12)
This is the future value of an annuity-due — it assumes each instalment is invested at the beginning of the month.
Worked example
Estimated maturity value ≈ ₹50.4 lakh — of which about ₹32.4 lakh is returns generated purely by compounding.
Key benefits
- Turns small, disciplined monthly amounts into a large corpus over time
- Rupee-cost averaging smooths out market ups and downs
- No need to time the market — automate and stay invested
- Highly flexible: start, pause, step-up or stop anytime
Smart tips
- Increase your SIP every year (step-up) as your income grows — even 10% a year dramatically boosts the final corpus
- Stay invested through market dips; that is when your SIP buys the most units
- Match the SIP tenure to your goal (7+ years for equity funds)
- Review, don't churn — frequent switching erodes compounding