How the SIP calculator works
A Systematic Investment Plan (SIP) allows an investor to invest a fixed amount at regular intervals. This calculator estimates the future value of regular monthly investments using an assumed annual rate of return.
The calculation assumes that the stated return remains constant and is compounded monthly. Actual investment returns can vary significantly over time.
SIP future value formula
In this formula, P is the monthly investment, r is the monthly rate of return, and n is the total number of monthly investments.
Total amount invested
Estimated returns
SIP examples
Enter ₹5,000 as the monthly investment, your assumed annual return rate, and 10 years as the investment duration. The calculator will estimate the future value and returns.
Increasing the investment duration gives the assumed returns more time to compound, although actual investment performance will depend on market conditions.
If the expected annual return is 0%, the estimated future value equals the total amount invested because no investment growth is assumed.
Important information about SIP returns
SIP calculations are estimates and should not be interpreted as guaranteed investment returns. Mutual fund and market-linked investments can rise or fall, and actual returns may differ from the assumed rate used in this calculator.
This calculator does not account for taxes, fees, exit loads, changes in investment amount, or variations in actual investment performance.
This tool is provided for estimation and educational purposes only and is not investment advice.