SIP Calculator

Enter your monthly SIP amount, expected annual return, and investment tenure to estimate your future value.

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Monthly investment (Rs.)

Expected return (% p.a.)

Investment period (years)

Estimated future value

Rs. 3,49,49,641

Total invested

Rs. 36,00,000

Wealth gained

Rs. 3,13,49,641

An estimate based on a constant assumed return. Mutual fund SIP returns fluctuate with the market and are never guaranteed - actual results will differ.

The formula

FV = P x [((1+r)^n - 1) / r] P = monthly investment amount r = monthly rate of return (annual rate / 12 / 100) n = total number of monthly installments (years x 12)

Example

Rs. 10,000 invested monthly for 30 years at an expected 12% annual return: total invested Rs. 36,00,000, growing to an estimated future value of about Rs. 3.49 crore - a wealth gain of roughly Rs. 3.13 crore from compounding.

Step-by-step guide

Enter your monthly SIP amount - the fixed sum you plan to invest each month.
Enter your expected annual return - a reasonable estimate based on the fund category's historical performance, not a guarantee.
Enter your investment period in years, and read your estimated future value, total invested, and wealth gained.

Why this is an estimate, not a guarantee

Unlike a fixed deposit with a locked-in interest rate, an SIP invests in mutual funds, whose actual returns depend entirely on market performance and fluctuate constantly - some months your investment buys units at a "good" price, other months at a worse price, a pattern called rupee-cost averaging. This calculator assumes a single, constant annual return applied smoothly across your entire investment period, which is a useful planning simplification but never how real markets actually behave year to year. Treat the result as a reasonable long-term estimate for goal planning, not a promised outcome.

Common mistakes

Dividing the annual return by 12 and treating it as simple (non-compounding) interest - SIP returns compound monthly, so a 12% annual return means roughly 1% monthly growth compounding on itself, not a flat 1% added each month.

Treating the expected return as guaranteed - equity mutual fund returns are never assured, and past performance (or any assumed rate) doesn't guarantee future results.

Frequently asked questions

Can I stop or pause my SIP if needed?

Yes, most mutual funds allow you to pause or stop an SIP at any time without penalty, though missing contributions naturally reduces the compounding benefit shown in projections like this one.

What is "rupee-cost averaging" and why does it matter for SIPs?

Since you invest a fixed amount regularly regardless of market conditions, you automatically buy more fund units when prices are low and fewer when prices are high - averaging your purchase cost over time and removing the pressure of trying to time the market.

Why do small differences in expected return change the result so much over long periods?

Compounding amplifies small rate differences dramatically over long horizons - a 10% vs. 12% assumed return might look similar year to year, but over 30 years the gap in final value can be enormous, since each year's gains also start earning their own returns.

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