SIP Calculator
Project how monthly investments could grow over time at an assumed return.
Returns are estimates and are not guaranteed.
Estimate SIP growth
A systematic investment plan invests a fixed amount regularly. This calculator assumes each monthly contribution is made at the beginning of the period.
How to use it
- Enter your monthly investment.
- Enter an assumed annual return.
- Enter the duration in years.
- Select Calculate SIP.
Formula
Maturity = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r)
P is the monthly investment, r the monthly return and n the number of months. At 0% return, maturity equals total contributions.
Worked example
Assumptions and limitations
Investment disclaimer: Returns are estimates, not guarantees. Markets fluctuate and actual results depend on timing, scheme performance, fees, taxes and other factors. This is not investment advice.
This illustration assumes a constant monthly return derived by dividing the annual assumption by 12. Actual mutual-fund returns, NAVs and contribution dates will vary.
Investor-risk reference: Association of Mutual Funds in India — Risks in mutual funds. Source reviewed 28 September 2026.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on market performance.
What return rate should I enter?
Use a reasonable assumption to compare scenarios, not a promised return.
Does this include taxes and fees?
No. Taxes, expense ratios and other charges are not deducted.