09 / SIP calculator
See what a monthly SIP could grow to.
Enter the amount you invest every month, the return you want to assume, and the number of years. The result separates the money you put in from the estimated gain.
- Amount invested
- ₹6,00,000.00
- Estimated gain
- ₹5,61,695.38
- Future value
- ₹11,61,695.38
This is an estimate for planning. It is not a bank quote, a tax invoice, or financial advice. The calculation stays in your browser.
How to use SIP calculator
1. Enter the monthly amount
This is the instalment invested at the start of each month.
2. Set an expected yearly return
Use a rate you are willing to assume. It is not a promise of what a fund will earn.
3. Read invested, gain, and future value
Invested is simply the instalment times the number of months. Gain is the future value minus that sum.
The SIP formula on this page
Future value = P × (((1 + i)^n − 1) ÷ i) × (1 + i). P is the monthly investment, i is the monthly rate (yearly rate ÷ 12), and n is the number of months. The last (1 + i) treats each instalment as invested at the beginning of the month, which is the usual Indian SIP illustration.
An estimate, not a fund factsheet
Markets do not return the same percentage every month. This page compounds a flat rate so you can compare ten years of ₹5,000 against fifteen. Exit load, tax, and a missed instalment are outside the sum.
Pair it with a lump sum
A fixed deposit calculator sits next to this one for money you invest once. An SIP is the monthly version of the same question: what is the gap between what you put in and what compounding might add.
Questions
Is the SIP return guaranteed?
No. The rate is an assumption you type. A mutual fund can return more or less, and the value moves every day.
Does this include tax?
No. The future value is before exit load and tax.
What if the return is zero?
The future value equals the amount you invested. No gain is added.
Are my numbers uploaded?
No. The SIP estimate is calculated in your browser.
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