About this SIP calculator
A SIP calculator (Systematic Investment Plan) estimates how monthly mutual-fund contributions can grow with compounding. It is one of the most searched finance tools in India and among global DIY investors.
How to use
- Enter your monthly investment amount.
- Enter an expected annual return (illustrative, not guaranteed).
- Enter the investment tenure in years.
Formula
FV = P × ((1+i)n − 1) / i × (1+i)
P = monthly investment, i = monthly rate, n = number of months.
Worked examples
Example: ₹5,000/month for 10 years at 12% expected return grows well beyond total contributions thanks to compounding.
Tips
- Past returns do not guarantee future results.
- Increase SIP amount yearly (step-up SIP) to beat inflation.
Frequently asked questions
Is SIP return guaranteed?
No. SIP calculators show estimates based on an assumed rate. Actual mutual fund returns vary with markets.