SIP Calculator
Estimate the maturity value of a monthly Systematic Investment Plan in mutual funds, compounded monthly.
About the SIP Calculator
A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund every month. Because each instalment starts compounding from the day it is invested, small monthly amounts can grow into a large corpus over long periods. This calculator shows the estimated maturity value, the total you put in, and the wealth gained.
where P = monthly instalment, n = number of months, i = monthly return derived from the annual rate: (1 + annual)1/12 − 1
Note that the monthly rate is not simply the annual rate divided by 12 — returns compound, so a 12% annual return works out to about 0.95% per month, not 1%. This calculator uses the correct compounded conversion.
Frequently asked questions
Is SIP return guaranteed?
No. Mutual fund returns depend on market performance. The rate you enter here is an assumption; actual returns will vary.
What is a reasonable expected return for SIP?
Long-term Indian equity funds have historically delivered around 10–14% p.a., but past performance does not guarantee future results. Use a conservative figure for planning.