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Finance calculators

SIP Calculator

See how much your monthly SIP could grow. Enter your investment, expected return and time period to estimate the maturity value and total gains.

₹
%
yrs
Total value₹23,23,391
Invested amount₹12,00,000
Estimated returns₹11,23,391

Estimates assume a constant annual return compounded monthly. Actual mutual-fund returns vary and are not guaranteed.

How to use the SIP calculator

  1. Enter the amount you invest every month.
  2. Add the annual return you expect (equity funds are often assumed at 10–12%).
  3. Set how many years you’ll stay invested.
  4. 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.

FAQ

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.

Is my data private? Yes — the maths runs in your browser and nothing is uploaded or saved.