Finance

SIP Calculator

Estimate SIP maturity value, total investment, and potential gains from monthly mutual fund contributions.

Finance tool

SIP Calculator

Estimate future value from monthly investments and an assumed annual return.

Future value

₹11,61,695

Amount invested

₹6,00,000

Estimated gains

₹5,61,695

Calculation notes

How to use this result with confidence

Method

The estimate adds each monthly contribution and compounds an assumed monthly return for the selected number of months. The total investment is kept separate from the illustrated gain.

Worked example

Investing Rs. 5,000 each month for 10 years means contributing Rs. 6 lakh. At an assumed 12% annual return, the illustrated value is roughly Rs. 11.6 lakh before charges and taxes.

Check before relying on it

Market returns are not guaranteed. Actual results depend on investment performance, contribution timing, taxes, charges, and whether contributions continue as planned.

Finance next steps

Understand the result, then compare it

Detailed guide

What a SIP calculator can and cannot tell you

Review the method, assumptions, and practical checks behind this calculator.

Related calculators

Test the same decision from another useful angle.

Rates or comparison context

Compare simple and compound growth

See how compounding changes a long-term estimate before choosing an expected return.

Guide

Understand your SIP result

A SIP calculator estimates how monthly investments may grow over time when returns are compounded. It is a planning tool, not a guaranteed return forecast.

Results are for general information. Review the site disclaimer before using a result for an important decision.

What SIP means

SIP stands for Systematic Investment Plan. It lets an investor contribute a fixed amount at regular intervals, usually monthly.

The calculator compounds the expected monthly return across the selected investment period to estimate a future value.

How to interpret the estimate

Use the result to compare different monthly contribution amounts and time horizons. Longer periods can make compounding more visible.

Actual mutual fund returns can be higher or lower than the assumed rate, so the output should be treated as an estimate.

A simple planning example

Investing Rs. 5,000 each month for 10 years means contributing Rs. 6 lakh in total. At an assumed 12% annual return, the illustrated value is roughly Rs. 11.6 lakh before considering fund-specific charges or taxes.

Use a few return assumptions instead of relying on one optimistic number. A lower estimate can help you plan with more room for market uncertainty.

FAQs

Does SIP guarantee returns?

No. SIP is an investment method. Market returns are not guaranteed, and the calculator only shows an estimate based on your assumed return rate.

Why does time matter so much in SIP?

More time gives returns longer to compound. Even a small monthly investment can grow meaningfully when invested consistently for many years.

Should I use the highest expected return rate?

No. It is more useful to compare a cautious, moderate, and optimistic rate. Returns are not guaranteed and a calculator cannot predict market performance.