SIP Calculator
Estimate the future value of your monthly SIP investments with compounding mutual fund returns.
Total Invested
₹12,00,000
Estimated Returns
₹11,23,391
Maturity Value
₹23,23,391
Year-wise Growth
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
How to Use This Calculator
1. Enter the amount you plan to invest every month via SIP.
2. Enter the expected annual rate of return of the mutual fund scheme.
3. Enter the investment duration in years.
4. View the total invested amount, wealth gained and maturity value.
Formula & Explanation
SIP future value uses the compounding future value of a series (annuity) formula:
FV = P × [(1+i)^n − 1] / i × (1+i)
Where P is the monthly investment, i is the monthly rate of return, and n is the number of months.
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Frequently Asked Questions
It projects the future value of your recurring monthly mutual fund investments by compounding each installment at the expected monthly rate of return until maturity.
No. Mutual fund SIP returns depend on market performance and are never guaranteed. The rate entered here is only an assumption for estimation.
Equity mutual funds in India have historically returned 10-14% annually over the long term, though past performance does not guarantee future returns.
SIPs buy more units when prices are low and fewer when prices are high, averaging out your purchase cost over time and reducing timing risk.
Yes, a Step-up SIP lets you increase your monthly investment periodically. This calculator assumes a constant monthly investment for simplicity.
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