Financial Calculators
SIP Calculator
See how a fixed monthly investment grows over time. Move the sliders - results, charts and the year-wise table update instantly.
- Total invested
- ₹12,00,000
- Estimated returns
- ₹11,23,391
- Total value
- ₹23,23,391
Estimates assume a constant rate of return, for illustration only. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
What is a SIP and why does it work?
A Systematic Investment Plan is the financial equivalent of daily PT - small, consistent effort that compounds into serious strength. Instead of trying to time the market, you invest a fixed amount every month. When markets fall, your instalment buys more units; when they rise, your existing units grow. Over ten or twenty years, this rupee-cost averaging plus compounding is how ordinary salaries build extraordinary portfolios.
The formula behind the calculator
The calculator uses the standard future value of an annuity-due (each instalment invested at the start of the month):
FV = P × [ ((1 + i)^n − 1) / i ] × (1 + i)
P = monthly investment
i = annual return ÷ 12 ÷ 100 (monthly rate)
n = years × 12 (number of instalments)Worked example: a SIP of ₹10,000 per month for 10 years at 12% annual return means n = 120 and i = 0.01. You invest ₹12,00,000 in total, and the estimated value is about ₹23,23,391 - roughly ₹11,23,391 of estimated returns.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund every month automatically. It builds the habit of investing, averages your purchase cost across market ups and downs, and lets compounding work over long periods.
How does this SIP calculator work?
It applies the standard future-value formula for a monthly annuity, assuming each instalment is invested at the start of the month and grows at the constant annual return you select, compounded monthly.
What return should I assume?
Equity mutual funds in India have historically delivered around 10–14% annually over long periods, but returns are never guaranteed. Use 10–12% as a conservative planning assumption and review your plan yearly.
Can I change or stop my SIP later?
Yes. SIPs are flexible - you can increase, decrease, pause or stop them at any time without penalty in open-ended funds.
Is the calculated amount guaranteed?
No. The calculator assumes a constant rate of return for illustration. Actual mutual fund returns vary with markets. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
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