SIP Calculator
Estimate how your monthly investments can grow over time with the power of compounding.
How SIP Returns Are Calculated
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund or similar instrument. Over time, each monthly contribution has the chance to grow, and the returns you earn also start generating their own returns — this is compounding.
The future value of a SIP is calculated using the formula: FV = P × [((1 + i)n – 1) / i] × (1 + i), where P is your monthly investment, i is the monthly rate of return (annual rate divided by 12), and n is the total number of months invested.
For example, investing ₹5,000 every month for 10 years at an expected 12% annual return could grow to a much larger future value than the total amount invested, purely because of compounding over time.
Disclaimer: This calculator provides an illustrative estimate only. Actual mutual fund returns vary and are not guaranteed. Please consult a certified financial advisor before making investment decisions.
Planning a loan alongside your investments? Check out our EMI Calculator. For other quick calculations, try the Percentage Calculator.
Frequently Asked Questions
Is the SIP return guaranteed?
No. Mutual fund returns depend on market performance and are never guaranteed. The percentage you enter here is only an assumption for illustration.
What is the difference between invested amount and future value?
Invested amount is the total of all your monthly contributions. Future value includes that amount plus the estimated returns generated through compounding.
Can I change the SIP amount later?
Yes, most SIPs allow you to increase, decrease, pause, or stop your contributions, though this calculator assumes a constant monthly amount for simplicity.