SIP Calculator
See what a regular monthly investment could grow to over time, given a rate of return you choose. It applies the standard compounding formula for a monthly contribution, showing both the total you will have put in and the growth on top of it — which is usually the part that surprises people.
This is an illustration, not a promise. It assumes the same rate of return every month for the whole period, which real markets never do. Actual returns depend on fund and market performance and can be lower, higher, or negative — this is not financial advice. Amounts work in any currency.
How to calculate SIP returns
- Enter how much you plan to invest every month.
- Enter the annual return you expect (a mutual fund's past average is a common starting point, not a guarantee).
- Enter how many years you'll keep investing.
- Read the estimated maturity value, total invested and estimated gain below.
When you'd use this
- Planning a monthly investment — Seeing whether a chosen amount gets you near a goal in the time you have.
- Comparing durations — The difference between investing for ten years and fifteen is far larger than it sounds.
- Setting a target — Working backwards from a goal to the monthly figure it would need.
- Understanding compounding — Watching how much of the final total is growth rather than contribution.
Good to know
- The return rate is your assumption, not a promise — Market returns vary year to year and can be negative. The figure you enter is a scenario you are testing, not a rate anyone can guarantee you.
- It works in any currency — The maths is currency-neutral — results come back in whatever units you entered.
- Tax and charges are not included — Fund expenses, exit loads and capital gains tax all reduce real returns and are not part of this calculation.
- Time matters more than amount — Adding years to the term usually moves the final figure more than adding to the monthly contribution, because compounding needs time to work.
Frequently asked questions
What formula does this use?
The standard SIP future-value 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.
Is the estimated return guaranteed?
No. This assumes the same rate of return every single month for the full duration, which real mutual funds and markets never actually do. It's a rough illustration of how compounding works, not a prediction or a promise — actual returns depend on market performance and can be lower, higher, or negative.
Does this account for expense ratio or exit load?
No — this is a pure compounding calculation on the return rate you enter. Fund expense ratios, exit loads and taxes on gains will reduce your actual take-home return.
Is a SIP guaranteed to give this return?
No. A SIP is a way of investing regularly, not a product with a fixed return. Market-linked investments can go down as well as up, and the rate you type is an assumption you are exploring.
What return rate should I enter?
That is your judgement to make, ideally with a qualified adviser. Entering two or three different rates and comparing the outcomes is more useful than trusting any single figure — including one this tool might suggest, which is why it suggests none.
Does this account for inflation?
No. The result is in today's currency units without adjustment, so a figure far in the future will buy less than the same amount buys now.