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
Used to show what the projected value buys in today's money
Projected value
₹50,45,760
Invested
₹18,00,000
Estimated gain
₹32,45,760
In today’s money: at 6.0% inflation, ₹50.46L in 15 years buys what ₹21.05L buys today — a real gain of ₹3.05L on ₹18L invested.
Year-by-year projection
- You put in36%₹18L
- Projected growth64%₹32.46L
This is arithmetic, not a forecast — the output is a mathematical projection of the assumptions you entered. Illustration only, computed from the assumptions shown — not a forecast, a projection of any scheme's performance, or a guarantee. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
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An illustration of the figures above — what you put in, what it projects to, and what that would buy in today’s money. It is not a review of your investments and not advice.
Start this plan
₹10,000 a month
Choose a fund for this planIllustration only, computed from the assumptions shown — not a forecast, a projection of any scheme's performance, or a guarantee. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
You choose the scheme. GrowIQ does not recommend one — nothing is submitted until you confirm it on the next screen, and the amount can be changed there.
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.
After the numbers
A complete list on the minimum instalment each AMC has registered — not a shortlist. GrowIQ Capital is an AMFI-registered distributor, not an investment adviser: it can tell you what each scheme’s terms are and transact for you, and it does not rate or recommend schemes.
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.