Project the future value of a monthly SIP investment.
Calculated locally in your browser.
Understanding your result
Returns are assumed constant for the projection; real market returns vary and are not guaranteed.
Formula and method
Future value = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the monthly rate (annual ÷ 12 ÷ 100) and n is the number of months.
Assumptions and limitations
Market returns are not constant or guaranteed; this projection assumes a steady rate and ignores fees, taxes and inflation. Use it for planning, not as a promise of returns.
Worked example
10,000 per month at 12% for 10 years invests 12,00,000 and could grow to roughly 23.2 lakh.
How it compares
| Aspect | SIP (regular) | Lump sum |
|---|---|---|
| Timing risk | Spread out (averaging) | Concentrated |
| Discipline | Builds a habit | One-time decision |
| Best when | Investing from income | You already have the capital |
How to use this tool
- Enter your monthly investment.
- Add the expected annual return and number of years.
- Press Calculate.
Common mistakes to avoid
- Treating the projected return as guaranteed.
About the SIP Calculator
Estimate how much a regular monthly investment (SIP) could grow to, based on an expected annual return.
Who should use this tool
Investors who contribute a fixed amount each month to mutual funds or index funds and want to project the outcome.
Benefits
- Project the maturity value of regular investing.
- See total invested versus estimated returns.
- Plan contributions toward a long-term target.
Practical use cases
- Planning monthly mutual-fund contributions.
- Setting a SIP amount for a goal years away.
- Comparing different return assumptions.
Frequently asked questions
Is the return guaranteed?
No. SIP returns depend on market performance; this is an estimate for planning only.