What is a SIP?
A SIP (Systematic Investment Plan) is a way of investing a fixed amount in a mutual fund every month, instead of a single lump sum. It builds a saving habit, averages out your buying price across market ups and downs (rupee-cost averaging), and lets the magic of compounding work over the years. This calculator estimates how much your monthly SIP could grow to by the end of your chosen period.
How to use the SIP calculator
- Enter the amount you invest every month.
- Add the annual return you expect (equity funds are often assumed at 10–12%).
- Set how many years you’ll stay invested.
- See your total value, invested amount and estimated returns instantly.
How is SIP maturity calculated?
The calculator uses the future-value formula for a monthly investment: FV = M × (((1+i)ⁿ − 1) ÷ i) × (1+i), where M is the monthly amount, i is the monthly return (annual ÷ 12 ÷ 100) and n is the number of monthly instalments.
The power of staying invested
Investing ₹10,000 a month at an assumed 12% for 10 years puts in ₹12 lakh of your own money, which could grow to roughly ₹23 lakh — the rest is estimated returns. Extend the same SIP to 20 years and the gap widens dramatically, because compounding does most of its work in the later years. That’s why starting early and staying invested matters more than timing the market.
Frequently asked questions
Are these returns guaranteed? No. Mutual-fund returns depend on the market — this is an estimate to help you plan, not a promise.
What return should I assume? Many investors use 10–12% for equity funds and 6–8% for debt funds over the long term. Being conservative is safer.
Can I increase my SIP over time? Yes — stepping up your monthly amount each year (as your income grows) can boost the final value significantly.
Is my data private? Yes — the maths runs in your browser and nothing is uploaded or saved.