SIP Calculator
Estimate the future value of your Systematic Investment Plan and see how much your monthly investments could grow over time.
The calculations are indicative and based on the inputs provided. Actual returns may vary and are subject to market risks. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
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Frequently Asked Questions
What is a SIP (Systematic Investment Plan)?
A SIP is a way of investing a fixed amount in a mutual fund scheme at regular intervals — usually monthly. It helps you build wealth gradually, benefit from rupee-cost averaging and stay disciplined regardless of market ups and downs.
How does this SIP calculator work?
It uses your monthly investment, expected annual return and investment duration to project the future value of your investments, assuming returns are compounded monthly. The result shows your total invested amount, the estimated returns earned and the overall maturity value.
Are the returns shown guaranteed?
No. The figures are only indicative and based on the expected return rate you enter. Actual mutual fund returns are market-linked and can be higher or lower. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Can I change my SIP amount later?
Yes. Most mutual funds let you increase, decrease, pause or stop your SIP. You can also use a step-up SIP to raise your contribution periodically as your income grows.
What return rate should I assume?
It depends on the type of fund. Equity funds have historically delivered around 10–14% over the long term, while debt funds are typically lower. Use a conservative estimate and remember that past performance does not guarantee future results.