SIP Calculator
Project the maturity value of your monthly mutual-fund SIP investments.
- Total invested
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- Estimated gains
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What is a SIP?
A Systematic Investment Plan (SIP) is a disciplined way to invest a fixed amount in a mutual fund every month. Because you buy more units when prices are low and fewer when they are high, a SIP averages out your cost and lets compounding work over the long term.
How this SIP calculator works
Enter your monthly instalment, an expected annual return and the investment period. The calculator applies the standard future-value-of-an-annuity formula, then splits the result into the money you invested and the estimated gains earned on top.
How to use the SIP Calculator
- Enter your monthly investment. Type the fixed amount you plan to invest every month.
- Set the expected return. Use a realistic long-term annual return for your fund, such as 10-12%.
- Choose the period. Enter how many years you will keep investing.
- Read your projection. See the projected future value, total invested and estimated gains instantly.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market, so the projection is an estimate based on the rate you enter, not a promise.
What return should I assume?
For diversified equity funds a long-term assumption of 10-12% per year is common; use a lower figure for debt funds.
Does staying invested longer help?
Yes. The longer you stay invested, the larger the share of your final corpus that comes from gains rather than contributions.
Is my data sent anywhere?
No. The whole calculation runs in your browser and nothing you type is uploaded or stored.