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SIP Calculator

Project the future value of your monthly mutual fund SIP.

Last updated: 8 Aug 2026

Quick answer

A SIP's value is FV = P × [((1+i)^n − 1)/i] × (1+i), where i is the monthly return and n the number of months. For example, ₹10,000 a month at 12% for 10 years grows to about ₹23.2 lakh — you invest ₹12 lakh and roughly ₹11.2 lakh is returns. Enter your figures above to project instantly.

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A Systematic Investment Plan (SIP) invests a fixed amount in mutual funds every month, benefiting from rupee-cost averaging and compounding. This calculator projects your investment's future value from your monthly amount, expected return and tenure.

How to calculate SIP returns

  1. 1 Enter your monthly SIP amount.
  2. 2 Enter your expected annual return and tenure in years.
  3. 3 We compute the future value of your monthly investments.
  4. 4 See the projected value, amount invested and estimated gains.

Frequently asked questions

How is SIP return calculated?
As the future value of a monthly annuity: FV = P × [((1+i)^n − 1)/i] × (1+i), where P is the monthly SIP, i the monthly return and n the number of months.
Are SIP returns guaranteed?
No. Mutual funds are market-linked, so returns vary; the calculator uses an assumed constant return for projection.
What return should I assume?
Equity funds have historically returned around 10–12% over the long term, but past performance does not guarantee future results.

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