Finance
SIP Calculator
See how a steady monthly investment compounds into long-term wealth. Adjust the contribution, expected return and tenure to compare scenarios — and see exactly how much of the final value is your money vs market returns.
Future value
Total invested
₹18,00,000
Estimated returns
₹32,45,760
Future value
₹50,45,760
35.7%
64.3%
Assumes contributions at the start of each month and a constant annual return. Actual fund returns vary year-to-year.
Peak: ₹50,45,760
Methodology
How we calculate this
FV = P × ((1 + i)^n − 1) / i × (1 + i)
P = monthly contribution, i = monthly rate (annual ÷ 12), n = number of months. Assumes payment at the start of each period.
- Returns are assumed constant. Real markets are volatile — pair this with the Monte Carlo simulator for a probabilistic view.
- Inflation is not deducted. Use the Real Return calculator to see purchasing power.
From the blog
Read about this topic
SIP vs Lumpsum: Which Investing Approach Actually Wins?
The eternal debate: should you invest all at once or spread investments over time? The math, the psychology, and what actually wins for Indian investors.
Best Mutual Funds for Beginners in India (2026)
A category-by-category guide to the strongest beginner-friendly mutual funds in India for 2026 — index funds, large-cap, balanced advantage, and the funds genuinely worth your first SIP.
SIP Vs Lump Sum: Which Investment Strategy Fits You Better?
A practical comparison of SIP and lump sum investing, including market timing, discipline, volatility, and suitability.
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Frequently asked
- Are the returns guaranteed?
- No. Mutual fund returns vary year-to-year and depend on the fund category. Treat the projection as a planning aid, not a promise.
- What return should I assume?
- Equity SIPs in India have historically returned ~10–14% over long periods. Use the lower end for conservative planning.
Try Lumpsum Calculator next →
Lumpsum Calculator