SIP Calculator
A Systematic Investment Plan (SIP) invests a fixed amount every month in a mutual fund. This SIP calculator shows what your monthly investment could grow to, how much of that is your own contribution and how much is estimated return, using monthly compounding.
SIP Calculator
How this calculator works
M = A × (((1 + i)^n − 1) ÷ i) × (1 + i), where A = monthly investment, i = expected annual return ÷ 12 ÷ 100 and n = number of monthly instalments.
- Returns from equity mutual funds are not guaranteed — the figure is an estimate, not a promise.
- Invested amount = monthly SIP × number of months.
- Estimated gain = maturity value − invested amount.
- Long tenures matter more than large amounts because of compounding.
Frequently asked questions
Is the SIP return guaranteed?
No. Mutual fund returns depend on the market. This calculator uses a constant expected rate to show a projection, which is useful for planning but is not a guaranteed outcome.
What return rate should I assume?
Many investors use a conservative 10–12% for diversified equity funds and 6–7% for debt funds over long periods. Run the calculator at two or three rates to see the range.
Will I pay tax on SIP gains?
Yes, capital gains tax applies when you redeem units, and each SIP instalment has its own holding period. Check the current equity and debt taxation rules or ask a tax adviser before redeeming.
Disclaimer: results are estimates for planning only. Interest rates, tax slabs and government charges change — confirm the final figure with your bank, employer or the official government portal before you act on it.