SIP Calculator
Estimate what a monthly Systematic Investment Plan (SIP) could be worth. Change the amount, expected return and period to see the result instantly.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund at regular intervals, usually every month. Each instalment buys units at that day's NAV.
How is the SIP value calculated?
The calculator uses FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the annual return ÷ 12 and n is the number of months. Each instalment is assumed to be invested at the start of the month.
Why are my returns less than the rate × total invested?
Each instalment is invested for a different length of time. The first one grows for the full period and the last one for only a month, so on average your money is invested for about half the period.
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market. The rate you enter is only an assumption; actual returns can be higher or lower, and can be negative.
Disclaimer: This calculator is for illustration only. The results are estimates based on the rate of return you enter and do not indicate, promise or guarantee future returns. Actual returns vary with market conditions and are not guaranteed.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. Please consult your financial advisor before investing.