SIP calculator
Estimate how a fixed monthly investment could grow over the years at an assumed rate of return.
SIP calculator
Works offlineIllustration only. The return rate is an assumption, not a promise.
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How the SIP calculation works
A SIP (systematic investment plan) invests a fixed amount every month. The calculator assumes each instalment is invested at the start of the month and grows at a constant monthly rate. 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 ÷ 100) and n is the number of months.
For example, ₹10,000 a month for 10 years at an assumed 12% a year grows to roughly ₹23,23,391, of which ₹12,00,000 is your own money.
Read this before relying on the numbers
- Market-linked returns are not fixed or guaranteed. Actual returns can be higher or lower, and negative in some periods.
- The result is before taxes, expense ratios and exit loads, and it is not adjusted for inflation.
- Mutual fund investments are subject to market risks. Read the scheme documents carefully, and consider speaking to a SEBI-registered adviser.
- This page is an arithmetic tool, not investment advice or a recommendation of any product.
Frequently asked questions
What return rate should I enter?
There is no right answer — it is an assumption. Try a few values (for example 8%, 10% and 12%) to see a range, and treat the lowest as the planning case.
Is the result guaranteed?
No. Market-linked investments can lose value. The calculator only shows what a constant assumed return would produce.
Does it include inflation or tax?
No. Real purchasing power will be lower than the nominal figure, and gains may be taxable depending on the product and holding period.
What is the difference between SIP and lump sum?
A SIP invests a fixed amount regularly, spreading entry points over time. A lump sum invests everything at once. This calculator covers the SIP case.
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Page reviewed 25 October 2026.