How is SIP maturity value calculated?

It uses the future-value-of-a-series formula with monthly compounding: your monthly amount grows each month at the expected rate, and the results add up to the maturity value.

Is the expected return guaranteed?

No. Mutual-fund returns are market-linked and vary year to year. The calculator assumes a constant annual return for estimation only; actual results will differ.

What return rate should I use?

Many people use 10–12% for long-term equity funds as an illustration, but this is not a promise. Use a rate you consider realistic and try a few to see the range.

Are my numbers saved?

No. Everything is calculated in your browser and nothing is sent to a server.

SIP Calculator

Estimate what a monthly SIP could grow into over time.

Private by design. Everything runs in your browser — your data is never uploaded to or stored on our servers. How we handle data

Monthly investment (₹)

Expected return (% p.a.)

Duration (years)

₹6,00,000

Invested amount

₹5,61,695

Estimated returns

₹11,61,695

Total value

Estimates assume a constant annual return compounded monthly. Actual mutual-fund returns vary and are not guaranteed.

Plan your mutual-fund SIP

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month in a mutual fund. This calculator estimates how much your SIP could be worth at the end of your chosen period, splitting the result into the amount you invested and the estimated returns on top.

How to use it

Enter your monthly investment.
Enter an expected annual return and the number of years.
See the invested amount, estimated returns and total value.

Remember this is an estimate for planning, not a guarantee — real returns depend on the market.

Frequently asked questions

How is SIP maturity value calculated?: It uses the future-value-of-a-series formula with monthly compounding: your monthly amount grows each month at the expected rate, and the results add up to the maturity value.
Is the expected return guaranteed?: No. Mutual-fund returns are market-linked and vary year to year. The calculator assumes a constant annual return for estimation only; actual results will differ.
What return rate should I use?: Many people use 10–12% for long-term equity funds as an illustration, but this is not a promise. Use a rate you consider realistic and try a few to see the range.
Are my numbers saved?: No. Everything is calculated in your browser and nothing is sent to a server.

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