SIP Calculator
Estimate the future value of a monthly mutual-fund SIP using an assumed return. This is an illustration—not a guaranteed return.
Estimated result
How this SIP calculation works
The calculator assumes one contribution at the end of every month and converts the annual expected return into a monthly rate. It compounds that assumed rate for the selected number of months. Actual mutual-fund returns change from day to day; they do not arrive as one smooth fixed percentage.
How to read the result
“Amount invested” is the sum of all contributions. “Estimated gain” is the calculated future value minus contributions. The output does not deduct taxes, exit loads or other case-specific costs. Change the expected return to test conservative and optimistic scenarios instead of treating one number as a promise.
Set up a meaningful scenario
Enter the amount you plan to contribute each month, the investment period in years and an assumed annual return. The return is an input for exploring possibilities; the calculator does not fetch a fund forecast or predict the market. Begin with a contribution you can understand, then compare several assumptions rather than relying on a single attractive result.
Separate contributions from estimated growth
A monthly contribution of ₹1,000 for 12 months means total contributions of ₹12,000. Any amount above that in a positive-return scenario is modelled growth, not additional money you paid in. At a zero-return assumption, the ending amount should equal contributions. Keeping these components separate helps you see whether a larger outcome comes mainly from saving more, investing longer or assuming stronger returns.
Timing and compounding matter
This tool uses the timing convention described beside its inputs. Changing whether a contribution arrives at the beginning or end of the month changes how long that contribution compounds. A constant assumed rate smooths the entire period. Real markets fluctuate, and two funds with similar long-run averages can produce different outcomes for a sequence of monthly purchases.
Compare scenarios before setting a goal
Try a lower return, a shorter period and a smaller monthly contribution. Notice which changes have the largest effect on the amount available for your goal. Consider whether you might pause contributions or need the money early. The output excludes personal tax and other costs unless explicitly stated; compare it with the terms and disclosures of the actual investment. A SIP describes how you invest and does not make an underlying fund risk-free.
Learn before choosing a fund
Read how SIP instalments buy units, then review NAV and expense ratios. Our mutual fund introduction explains the difference between a payment method and the investment itself. Use the calculator to understand assumptions rather than to rank funds or promise a future return.