SIP Calculator
Estimate what a monthly SIP could grow to. Enter the amount, an expected annual return and how long you plan to invest to see the projected value.
How to use the SIP calculator
- Enter your monthly investment amount.
- Set an expected annual return and the number of years.
- Review the future value, total invested and estimated gains.
Frequently asked questions
How is the SIP future value calculated?
Each monthly contribution is compounded at the expected monthly rate (annual rate divided by 12) until the end of the period, then summed.
Are returns guaranteed?
No. The expected return is an assumption you provide. Actual market returns vary, so treat the result as an estimate.
Does it account for inflation or taxes?
Not directly. The figure is a nominal projection before inflation, taxes and fund expenses.
What return rate should I use?
Use a realistic long-term assumption for your fund type. Many people model equity SIPs around 10 to 12 percent for illustration.
Learn more
- What is a SIP?
A plain-language explainer of systematic investment plans, how they work and why people use them.
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