SIP Calculator
Estimate the future value of a monthly mutual fund SIP. Enter a monthly amount, an assumed annual return, and a time period — this is an illustration based on your own assumptions, not a forecast or a promise.
Your SIP
Adjust the amounts below to see how the estimate changes.
In rupees, per month.
Not a guarantee — pick a neutral illustrative band or enter your own assumption.
Your estimate
Based on 120 monthly instalments of ₹10,000 at an assumed 12% annual return, invested at the start of each month. This is an illustration of your own assumptions, not a forecast.
Based on these assumptions — ₹10,000 per month, an assumed 12% annual return, over 10 years, invested at the start of each month — the illustration shows a future value of ₹23,23,391, of which an estimated ₹11,23,391 is gain. This is a mathematical illustration of the assumptions you chose, not a promise or a recommendation.
Try changing the return assumption or time period to see how the illustrated future value changes — the Inflation Calculator can also show how a future cost might grow over the same period.
Learn about this calculator
A Systematic Investment Plan (SIP) calculator estimates the future value of a fixed monthly mutual fund investment, based on an assumed annual return.
Instead of investing a lump sum all at once, a SIP spreads the same investment across regular monthly instalments. This calculator projects those instalments forward using compound growth at whichever annual return you choose to assume, so you can see, in numbers, what a monthly amount, a return assumption, and a time period could add up to.
How it works
Each month's instalment is assumed to grow at the entered annual return, compounding month by month, for the number of months in your chosen period. The default convention invests each instalment at the start of the month; you can switch to end-of-month instead.
What each input means
- Monthly SIP amount
- The fixed rupee amount invested every month.
- Expected annual return
- An assumption you choose for illustration — not a promised, guaranteed, or predicted return.
- Investment period (years)
- How many years the SIP continues for.
- Contribution timing
- Whether each month's instalment is assumed to be invested at the start or the end of that month.
What the results mean
- Total invested
- The sum of every monthly instalment over the period.
- Estimated gain
- The difference between the estimated future value and the total invested.
- Estimated future value
- What the total instalments are projected to grow to, at the return you assumed.
Assumptions
- The annual return you enter applies evenly, every single month, for the whole period.
- Every instalment is exactly the same amount — no missed months, no increases.
Limitations
- Real mutual fund returns are market-linked, vary year to year, and are never guaranteed.
- This calculator does not model taxes, exit loads, or any missed/irregular instalments.
Common mistakes
- Treating the assumed return as a promised or expected outcome rather than one illustrative assumption among many possible ones.
- Assuming a higher assumed return automatically makes the illustration "more likely" to happen — it doesn't; it only changes the arithmetic shown.
Example
For example, ₹10,000 invested every month for 10 years at an assumed 12% annual return illustrates a future value in the neighbourhood of ₹23 lakh, of which about ₹12 lakh was actually invested — the rest is the illustrated gain.
FAQ
What does "beginning of month" timing mean?
It assumes each month's SIP instalment is invested on the first day of that month, so it has (very slightly) longer to grow than an instalment made at month-end. Most Indian SIP calculators use this convention by default; you can switch to end-of-month if you prefer.
Why is my "invested" total different from the "future value"?
"Invested" is simply the sum of every instalment you put in. "Future value" is what that money is estimated to grow to at the return rate you chose. The difference between the two is the estimated gain — again, an illustration, not a promise.
Is the return rate used here guaranteed?
No. The annual return you enter or select is an assumption you choose for illustration — mutual fund returns are market-linked and not guaranteed.
Can I change my SIP amount later?
Yes — a SIP amount is not fixed for life. This calculator shows a flat monthly amount for the full period; it doesn't model a rising SIP (see the Step-Up SIP calculator for that).
Explore the Step-Up SIP calculator to see how a rising monthly amount changes the illustration, or the Required SIP calculator to work backward from a target amount.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.