SIP Calculator
Estimate SIP maturity value, invested amount, and projected gains.
SIP Calculator
Result
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Why use this tool
Use the SIP Calculator to estimate how a fixed monthly investment could grow over time. It separates your total contribution from the projected gain, making it easier to compare monthly SIP amounts, investment periods and assumed annual returns.
The calculation uses monthly compounding and assumes contributions are made regularly. The result is an illustration, not a guaranteed mutual fund return; actual returns vary with market performance, fees, taxes and timing.
How to use
- Enter your monthly SIP amount in rupees.
- Enter an expected annual return rate.
- Choose the investment period in years.
- Calculate to see projected value, amount invested and estimated gain.
- Change one assumption at a time to compare scenarios.
Use cases / examples
- Compare ₹5,000 and ₹10,000 monthly SIP scenarios.
- See the effect of investing for 10 years versus 20 years.
- Estimate the return required for a target planning scenario.
- Understand how much of the projected corpus comes from contributions versus growth.
FAQ
How is SIP return calculated?
The tool converts the assumed annual return to a monthly rate and applies a future-value formula across monthly contributions.
Is the SIP maturity amount guaranteed?
No. It is an estimate based on the return rate you enter; market-linked investments do not provide guaranteed returns.
Does this include mutual fund expense ratio or tax?
No. The projection does not model fund-specific fees, exit loads or taxes.
Can I compare different SIP amounts?
Yes. Change the monthly amount, rate or duration and recalculate each scenario.