SIP Calculator: see what a monthly SIP could grow to
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund scheme at regular intervals, usually every month. This calculator estimates what a monthly SIP could grow to for an assumed yearly return and period. The return you enter is an assumption for illustration, not a promise.
How it is calculated
Future value = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i is the monthly rate (yearly rate ÷ 12) and n is the number of months.
Worked example
A monthly SIP of ₹10,000 for 15 years at an assumed 12% a year invests ₹18,00,000 in total and works out to about ₹50,45,760, a gain of about ₹32,45,760.
Frequently asked questions
Is the SIP return guaranteed?
No. Mutual fund returns depend on market performance and can be higher or lower than the rate you assume. The calculator only shows what would happen at the rate you enter.
What return should I assume?
There is no correct number. Try a few conservative rates, for example 8%, 10% and 12%, and see how much the result changes. Past performance may or may not be sustained.
Can I stop or change a SIP?
SIPs can generally be paused, changed or stopped, subject to the fund house process. Exit load may apply on units redeemed within the exit load period.
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