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SIP Calculator
Enter your monthly investment, expected return and tenure to project how much your SIP could grow.
Total Invested
Wealth Gained
Maturity Value
Frequently asked questions
How is SIP maturity calculated?
It uses the future-value-of-annuity formula: FV = P×[((1+i)^n − 1)/i]×(1+i), where P is the monthly amount, i the monthly return and n the number of months.
Is the expected return guaranteed?
No. Mutual-fund returns are market-linked and vary. The rate you enter is an assumption for planning, not a promise.
What return rate should I assume?
Many investors model equity SIPs at 10–12% long-term and debt funds lower. Use a conservative figure and check actual fund history.
Does this account for inflation or taxes?
No. It shows the nominal maturity value before inflation and capital-gains tax. Your real, post-tax value will be lower.
Can I change my SIP amount later?
Yes, in practice you can step up or pause a SIP. This calculator assumes a fixed monthly amount throughout the tenure.