Investment
SIP Calculator
Shows the future value of a fixed monthly SIP into a mutual fund, so you can plan how much to invest for a goal.
Your details
₹
%
yrs
Maturity value
₹50,45,760
Total invested
₹18,00,000
Estimated returns
₹32,45,760
If you invest ₹10,000 every month for 15 years at an assumed 12% annual return, you could accumulate ₹50,45,760.
InvestedValue
How this is calculated
FV = P × [((1 + i)^n − 1) / i] × (1 + i), where P = monthly investment, i = expected monthly return (annual ÷ 12), n = number of months. When i = 0, FV simplifies to P × n.
Want to understand this better?
What Is SIP and How Does It Actually Work?
Frequently asked questions
What is SIP?
A Systematic Investment Plan lets you invest a fixed amount into a mutual fund at regular intervals, usually monthly, instead of a lump sum.
Is SIP better than lumpsum?
Neither is universally better — SIP smooths out market timing risk via rupee-cost averaging, lumpsum works better when markets are clearly undervalued and you have the capital ready. See our Lumpsum Calculator to compare.
What return rate should I assume?
10–14% annually is a commonly used historical range for diversified equity mutual funds in India — treat any number as an assumption, never a guarantee.
Can I change my SIP amount later?
Yes — most AMCs allow a Step-up SIP, increasing your contribution annually. Try our Step-up SIP Calculator.
Is SIP investment tax-free?
No — equity mutual fund gains are subject to capital gains tax. See our Capital Gains Tax Calculator.