SIP Calculator
Estimate the maturity value of a monthly SIP (Systematic Investment Plan) from your monthly amount, expected annual return and investment duration.
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.
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.
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.