SIP Calculator

See how much your monthly mutual fund SIP could grow over time.

Monthly investment: ₹10,000

₹500₹2L

Expected return (per year): 12%

1%30%

Investment period: 15 years

1 yr40 yrs

How SIP returns are calculated

A SIP invests a fixed amount every month. Its future value uses the compound-growth formula:

FV = M × [ (1+i)ⁿ − 1 ] ÷ i × (1+i)

M = monthly investment
i = monthly rate of return (annual ÷ 12)
n = total number of months

Returns are estimates and not guaranteed — actual mutual fund returns vary with the market.

FAQ

What return should I assume?: Equity mutual funds have historically averaged ~10–12% per year over the long term, but this is not guaranteed.
Is the gain taxable?: Yes, capital gains tax may apply on redemption. Consult a tax advisor.