India SIP Calculator

Enter your monthly SIP amount, expected annual return and investment period to estimate your maturity value and wealth gained.

India SIP Calculator

Estimate the maturity value of a monthly SIP (Systematic Investment Plan) in mutual funds.

This is a projection based on a constant assumed annual return — actual mutual fund returns fluctuate and are never guaranteed. Mutual fund investments are subject to market risk.

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund scheme every month. This calculator uses the standard SIP future-value formula (monthly compounding, investment at the start of each month) to project your maturity value. Actual returns depend on the mutual fund scheme performance and are never guaranteed.

Example

  • With the default values shown above, this calculator returns: Total Invested ≈ ₹600000.00; Maturity Value ≈ ₹1161695.38; Wealth Gained ≈ ₹561695.38.

Frequently Asked Questions

Does this account for expense ratio or exit load?

No — this is a simplified gross-return projection. Fund expense ratios and any exit load will reduce your actual net returns.

What return rate should I assume?

This varies by fund category and market conditions. Equity mutual funds have historically returned roughly 10-15% annually over long periods, but past performance never guarantees future results.

Sources

  • Standard SIP future-value (annuity-due) formula

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