SIP Calculator
Project the maturity value of a monthly systematic investment plan across any tenure and assumed rate of return.
What the SIP calculator does
A SIP calculator projects what a fixed monthly mutual fund investment could grow to over time. Enter your monthly amount, an assumed annual return, and the tenure. It compounds each instalment from its own investment date, so results reflect how AMCs actually process monthly SIPs.
Your inputs
An assumption you choose — not a projection of any scheme's performance
Projected value
₹50,45,760
Invested
₹18,00,000
Estimated gain
₹32,45,760
Year-by-year projection
This is arithmetic, not a forecast. The output is a mathematical projection of the assumptions you entered. No returns are assured or guaranteed. Any illustration of returns is a mathematical projection, not a promise. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
How the SIP calculation works
FV = P × [((1 + i)ⁿ − 1) / i] × (1 + i)
P is your monthly instalment, i is the monthly rate (annual rate divided by 12), and n is the total number of instalments. The trailing (1 + i) term treats each instalment as invested at the start of the month, which is how AMCs process SIP debits.
Frequently asked questions
How is SIP return calculated?
A SIP is treated as an annuity-due: each monthly instalment compounds from the date it is invested until maturity. The formula is FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly amount, i is the monthly rate (annual rate ÷ 12), and n is the total number of instalments.
What return rate should I assume for a SIP?
There is no correct answer, because future returns are unknown. Investors commonly model a range rather than a single figure and compare outcomes. Any rate you enter is an assumption, not a projection of what a scheme will deliver.
Does a SIP guarantee returns?
No. SIP is a method of investing, not a product, and it does not protect against market losses. Mutual fund investments are subject to market risks, and the value of your investment can fall as well as rise.
GrowIQ Capital provides financial data analytics, market information and educational content. We are not a SEBI-registered Investment Adviser or Research Analyst. Nothing on this platform constitutes investment advice or a recommendation to buy or sell any security. No returns are assured or guaranteed. Any illustration of returns is a mathematical projection, not a promise. Past performance is not indicative of future returns and does not guarantee future results.