Calculate your mutual fund returns with Systematic Investment Plan
Total Investment
₹6,00,000
Expected Returns
₹5,61,695
Total Value
₹11,61,695
| SIP | Lumpsum | |
|---|---|---|
| Total Investment | ₹6,00,000 | ₹6,00,000 |
| Expected Returns | ₹5,61,695 | ₹12,63,509 |
| Total Value | ₹11,61,695 | ₹18,63,509 |
| Year | Investment | Returns | Total Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
FV = P × [((1 + r)n - 1) / r] × (1 + r)
The SIP Calculator estimates the future value of a Systematic Investment Plan, where you invest a fixed amount into a mutual fund at regular intervals (usually monthly). Enter your monthly contribution in rupees, your expected annual return rate as a percentage, and the investment tenure in years, and the tool instantly projects your total invested amount, estimated gains, and maturity value.
It is used by retail investors, salaried individuals planning long-term goals, and financial advisors who need a quick projection of how disciplined monthly investing compounds over time. Because SIP returns depend on compounding at the monthly frequency, doing this math by hand is error-prone, and this tool handles it in the browser without any signup.
The tool uses the standard future-value formula for a series of equal periodic investments (an annuity). The maturity value M is calculated as M = P x ({[(1 + i)^n] - 1} / i) x (1 + i), where P is the monthly investment, i is the monthly rate of return (the annual rate divided by 12, expressed as a decimal), and n is the total number of monthly installments (years x 12). The (1 + i) factor at the end reflects that each SIP installment is invested at the start of the period.
For example, investing 5000 rupees per month for 10 years at an expected 12 percent annual return gives i = 0.12/12 = 0.01 and n = 120. The total invested is 5000 x 120 = 600000 rupees, while the projected maturity value is roughly 11.6 lakh rupees, meaning the estimated gain is about 5.6 lakh rupees. This illustrates the power of monthly compounding over a long horizon.
The return rate you enter is an assumption, not a guarantee. Actual mutual fund returns fluctuate with the market, so the calculator shows an estimate based on a constant rate. It also does not account for exit loads, expense ratios, or taxes such as capital gains tax, which reduce real-world returns.
Yes, it is completely free with no signup required. All calculations run locally in your browser, so the amounts and rates you enter are never sent to a server or stored anywhere.
Use a realistic expectation based on the fund type. Historically, diversified equity mutual funds have returned around 10 to 12 percent annually over long periods, while debt funds return roughly 6 to 8 percent. Since returns are not guaranteed, try a range of rates to see best and worst cases.
No. It shows a gross projection based only on your inputs. In practice, factors like the fund's expense ratio, exit load, and capital gains tax on redemption will reduce your actual net return.
A SIP invests a fixed amount at regular monthly intervals, which averages your purchase cost over time (rupee cost averaging). A lump-sum invests the entire amount at once. This tool is designed for the recurring monthly SIP pattern.
This calculator assumes a constant monthly contribution throughout the tenure. For a step-up SIP where you raise the amount each year, you would need to model it in segments, as this tool uses a fixed monthly figure.
Because of compounding, returns earned in later years grow on a much larger accumulated base. Extending the period even by a few years disproportionately increases the final value, which is why starting early matters more than investing a larger amount for a shorter time.
No. The maturity value is a mathematical projection assuming a constant rate of return. Mutual fund investments carry market risk, and actual returns will vary year to year.