SIP Calculator
Estimate SIP returns, invested amount and future value.
How to use the SIP Calculator
Enter your monthly investment
The amount you plan to invest each month.
Set the expected return and period
Enter an expected annual return percentage and how many years you plan to keep investing.
Compare the split
Read the invested amount, the estimated returns and the future value separately to see how much of the total came from growth.
About the SIP Calculator
A systematic investment plan puts a fixed amount into a mutual fund every month, and its appeal is that the arithmetic works quietly in the background over years. The trouble is that the arithmetic is not intuitive: monthly compounding over a long period produces numbers most people underestimate badly when guessing, which is exactly why seeing them laid out changes behaviour.
The calculator separates what you put in from what the returns added, and that split is the part worth looking at. Over a short period the invested amount dominates and the returns look almost irrelevant. Extend the same monthly contribution over fifteen or twenty years and the returns overtake the contributions entirely. Nothing demonstrates the value of starting early more directly than moving the years field and watching which half grows.
Treat the output as an estimate, not a projection. It assumes a steady rate of return every month, and real markets do not behave that way — they deliver the average through a sequence of good and bad years, and the order those arrive in affects the outcome. It also ignores expense ratios, exit loads and tax on capital gains. Use it to compare scenarios and set a contribution level, not to predict a number you will actually see.
Frequently asked questions
- How is SIP return calculated?
- Each monthly instalment compounds for the months remaining in the period, so early contributions grow for far longer than later ones. The total is the sum of all of them.
- What return rate should I assume?
- Use the long-run average for the fund category you are considering rather than a recent year's figure. Comparing a conservative and an optimistic rate is more useful than picking one.
- Does this account for tax and fees?
- No. Expense ratios, exit loads and capital gains tax all reduce real returns, so treat the result as a gross estimate.