SIP Calculator
Project the future value of a monthly SIP and see how much of it is your money versus market growth.
Market-linked returns are not guaranteed — this is an assumption.
Projected value
₹23,23,391
Wealth gained: ₹11,23,391
How it's calculated
A SIP invests a fixed amount at the start of each month, compounding monthly at an assumed rate of return. We use the future value of an annuity-due (the standard SIP convention):
FV = P × [ (1 + i)n − 1 ] / i × (1 + i)
where P is the monthly investment, i is the monthly return (annual ÷ 12 ÷ 100) and n is the number of months. The return is an assumption — actual mutual fund returns are market-linked and not guaranteed.
SIP tips
- Start early — time in the market matters more than the amount for long goals.
- Increase your SIP as your income grows to reach goals faster.
- Stay invested through market dips; that's when a SIP averages your cost down.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan invests a fixed amount into a mutual fund at regular intervals (usually monthly). It builds discipline and averages your purchase cost across market ups and downs.
Are the returns shown here guaranteed?
No. The expected return is an assumption you enter, not a promise. Mutual fund returns are market-linked and vary year to year. Use the projection to compare scenarios, not as a guaranteed outcome.
How is the SIP future value calculated?
We use the future value of an annuity-due (contributions at the start of each month): FV = P × [ (1 + i)^n − 1 ] / i × (1 + i), where i is the monthly return and n the number of months.
SIP or lumpsum — which is better?
A lumpsum can do better when markets rise steadily after you invest, while a SIP reduces timing risk by spreading purchases over time. Many investors use a SIP for regular savings from salary and a lumpsum when they have a windfall.
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