SIP Calculator
Estimate future value of regular monthly contributions using an assumed annual return and period.
Use the calculator below on this page—no extra click is required.
Calculate your SIP estimate
Enter a monthly contribution, an assumed annual return and an investment period. This is a hypothetical illustration, not a guaranteed return.
Method: monthly compounding from the assumed annual rate, with contributions treated as made at the beginning of each month. Actual mutual-fund returns vary and may be negative.
What this calculator does
Model the possible future value of regular contributions. A SIP is a contribution method, not a guaranteed-return product. Market-linked investments can lose value and actual returns vary.
How to use it
- Enter monthly contribution
- assumed annual return
- investment period
- compare contributions and estimated value.
Formula and calculation method
Worked example
Important information
Returns are not guaranteed. Fees, taxes, market movements and contribution timing affect actual outcomes. This is not investment advice.
Frequently asked questions
How accurate is this calculator?
It provides an estimate based on the values and assumptions entered. Verify important decisions with the relevant provider or a qualified professional.
Does this replace professional advice?
No. It is an informational tool and does not replace tax, legal, accounting, lending, investment or medical advice.
How to read a SIP projection
If you invest ₹2,000 every month for 10 years, your own contributions total ₹2,40,000 before returns. A projected value above or below that amount depends on the assumed return and the calculator's contribution timing convention. Try several return assumptions to understand how sensitive the illustration is.
Important limits of the projection
Mutual-fund returns are market-linked and are not fixed or guaranteed. The projection does not predict future performance and may not include expense ratios, exit loads, taxes or missed instalments. Do not select a fund or make an investment solely from this estimate; review scheme documents and consider qualified financial advice.
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Browse all calculators AboutResults are estimates based on entered values and assumptions. They are not professional advice. Verify important decisions with the relevant provider or a qualified professional.