Investments
SIP Calculator
Estimate the future value of a monthly investment. Move the sliders or type exact numbers — results update instantly.
Formula checked by Naman, Fistotex founderLast updated Free · No sign-up · Runs in your browser
Your inputs
How much you invest every month.
₹500 – ₹2LAn assumption, not a promise. Equity funds have historically ranged widely.
1% – 30%Maturity value
₹23,23,391
≈ ₹23.23 Lakh
Total invested52%
Estimated returns48%
- Total invested
- ₹12,00,000
- Estimated returns
- ₹11,23,391
Growth over time
Figures are estimates based on the inputs and assumptions shown. Actual outcomes will differ. This is not financial advice.
Guide
SIP Calculator: what it does and when to use it
A SIP (Systematic Investment Plan) calculator estimates the future value of investing a fixed amount in a mutual fund every month. Enter your monthly amount, an expected annual return and how many years you plan to invest.
Use it to set a realistic monthly target for a goal such as a house down payment, a child's education or retirement, and to see how much of the final value comes from compounding rather than your own contributions.
How to use it: set each input with the slider or type an exact figure. Results, the chart and the shareable link update instantly.
- Monthly investment
- ₹10,000
- Expected annual return
- 12%
- Investment duration
- 10 years
- Total invested
- ₹12,00,000
- Estimated returns
- ₹11,23,391
- Maturity value
- ₹23,23,391
Method
How this calculation works
The exact formula and assumptions behind the numbers above.
Formula
FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r)
P = monthly investment, r = annual return ÷ 12 ÷ 100, n = months invested. Assumes returns compound monthly.
Assumptions
- Each instalment is compounded for the months it stays invested.
- Later instalments have less time to grow, so the first years matter most.
- The result assumes a constant return — real markets are uneven.
Questions
Frequently asked questions
What is a SIP?
A Systematic Investment Plan invests a fixed amount in mutual funds at regular intervals, usually monthly.
Is the return guaranteed?
No. Mutual fund returns depend on the market and the scheme's holdings. This is a projection based on the rate you enter.
Does a step-up help?
Increasing your SIP each year meaningfully raises the final value, because the larger instalments still have years to compound.
What return should I assume for an equity SIP?
There is no fixed answer. Diversified Indian equity funds have delivered widely different returns across periods. Many planners use a conservative 10–12% for long horizons and test lower rates to see the downside.
Can I start a SIP with ₹500?
Yes. Most mutual fund schemes accept SIPs from ₹500 a month, and some from ₹100. The calculator's minimum is ₹500.
Disclaimer
This calculator is an educational tool. It provides estimates based on the inputs and assumptions shown, and does not constitute personalised financial, investment or tax advice. Actual returns, interest, taxes and fees will vary. Please consult a qualified professional before making financial decisions.