SIP Calculator
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Future Value
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Invested Amount
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Estimated Returns
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Estimated value based on the return rate entered. Actual returns may vary and are not guaranteed.
A SIP calculator estimates how much your regular monthly investment could grow into over a chosen period, based on an assumed annual rate of return. It's the fastest way to see the difference consistent, disciplined investing can make over time.
Systematic Investment Plans (SIPs) work by investing a fixed amount every month into a mutual fund, regardless of market conditions. Over long periods, this evens out the highs and lows of the market — a principle known as rupee-cost averaging.
How This Calculator Works
The calculator uses the standard future value of an annuity formula: FV = P × [((1+r)n − 1) / r] × (1+r), where P is your monthly investment, r is the monthly rate of return, and n is the number of months.
Frequently Asked Questions
Is the SIP return guaranteed?
No. The return rate you enter is an assumption based on historical or expected performance. Actual mutual fund returns fluctuate with the market and are never guaranteed.
What return rate should I use?
Equity mutual funds in India have historically returned somewhere between 10–14% annually over long periods, though this varies significantly by fund and market cycle. Debt funds typically return less. Use a conservative estimate for planning.
Does this account for expense ratio or exit load?
No — this calculator shows gross returns before fund expenses, exit loads, and taxes. Your actual take-home amount will be somewhat lower.
What's the difference between SIP and lump sum investing?
SIP spreads your investment across many months, reducing the impact of market timing. Lump sum invests everything at once. Use our Lump Sum Calculator to compare.