Investment · Mutual funds
SIP Calculator
See how a monthly SIP can grow — corpus, invested amount, and gains, updated as you move the sliders.
Your SIP plan
500 – 100,000
Planning assumption — not a guarantee
1 – 40 years
Estimated corpus
1,150,193
After 10 years at 12% p.a.
- Invested 600,000
- Est. gains 550,193
Growth over time
Invested vs estimated corpus by year
How this calculator works
Systematic Investment Plans are how many people build wealth quietly every month. This SIP calculator projects the future value of regular monthly investments at an assumed annual return.
Returns are not guaranteed — past mutual fund performance does not promise future results. Use the rate as a planning assumption, not a promise.
You will also see total amount invested and estimated gains.
- Enter monthly SIP amount.
- Enter expected annual return (%).
- Enter investment period in years.
- Results update live as you edit — or press Calculate.
Formula
corpus = FV(rate ÷ 12, years × 12, −monthly)
total invested = monthly × years × 12
gains = corpus − total invested
Where monthly rate = expected annual return ÷ 1200, and FV is the future value of an ordinary annuity.
Examples
More about this calculator
Practical use cases
Salaried investors planning equity or hybrid SIPs, and parents projecting education goals.
Common mistakes
Assuming a very high return every year, or forgetting expense ratios when copying a fund’s past CAGR.
Tips
Run the same SIP at 10%, 12%, and 14% to see a realistic range instead of one optimistic number.
FAQs
No. Mutual fund NAVs move with markets. This tool shows a mathematical projection at the return you assume.
For rough planning, a conservative expected CAGR is fine. For precise goal planning, haircut for tax and expense ratio.
No. Enter a net expected return if you want to account for fund expenses yourself.