SIP Calculator: Estimate Your Monthly SIP Returns
Enter your monthly investment, tenure, and expected return to see how your SIP could grow over time.
Adjust Your SIP Parameters
Enter your monthly investment, tenure, and expected return to see how your SIP could grow over time.
Wealth Gain
+180.3%
Figures shown are illustrative projections based on historical data and assumed rates of return. They are not a guarantee, promise, or assurance of future performance. Actual returns will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
What This Calculator Shows You
This SIP calculator projects the possible future value of a monthly Systematic Investment Plan in mutual funds. You enter three inputs: how much you plan to invest every month, how many years you intend to stay invested, and an expected annual rate of return. It applies the standard SIP compounding formula used across the industry and shows two numbers side by side: the total amount you would have invested, and the projected total value at the end of the tenure. The gap between the two, shown as "Wealth Gain," is the effect of compounding on your monthly contributions. The chart shows how the value curve pulls away from the invested-amount line as years pass, and that widening gap is compounding at work.
Why a SIP Calculator Matters for Your Financial Planning
A SIP is fundamentally a discipline tool before it is a return-generating one. Most people who build meaningful wealth through mutual funds do it by investing a fixed sum every month for years, not by picking a single best fund or timing market entries. This calculator exists to make that discipline visible: when you can see what a monthly amount becomes over 15 or 20 years, it becomes easier to commit to the plan and harder to stop the SIP the first time markets correct.
Use this tool as a planning aid at the start of a goal, not as a one-time exercise. Revisit it whenever your income changes, when you are deciding whether to step up your SIP amount, or when you are setting a target for a specific goal like a child's education or your own retirement. The number on screen is not a promise about what the market will return. It is a way to translate a savings habit into a concrete, goal-linked figure so the habit feels worth keeping.
How the SIP Calculation Works
This calculator uses the standard SIP future value formula applied by AMFI-recognised platforms: each monthly instalment is assumed to be invested at the start of the month (an annuity-due structure) and compounds monthly at your chosen annual rate divided by 12. This is the same method used by AMFI, Groww, and ET Money's public SIP calculators, so the figure you see here should match closely if you cross-check it elsewhere. The formula assumes a constant monthly rate for the entire period, which real markets never actually deliver: actual month-to-month returns vary, sometimes sharply.
Common Mistakes to Avoid When Using a SIP Calculator
The most common mistake is anchoring to a high assumed return, like 15% or 18%, because a particular fund did well over the last two or three years. Long-term, diversified equity mutual funds in India have historically delivered somewhere in the 10-14% CAGR range over 10+ year periods, and even that is not assured going forward. Use a conservative rate for planning and treat a higher actual return as a bonus, not a base case.
The second mistake is treating a single projection as final: your income, goals, and risk appetite change, so this calculator should be rerun every year, not filed away after one use. Remember this is a planning aid, not a guarantee: actual returns depend entirely on the market performance of the funds you invest in.
Frequently Asked Questions
Direct answers to the questions we hear most often. No hedging, no ambiguity.
Contact for specific questionsThis calculator uses the same formula used by AMFI and other major fund platforms, so the maths is accurate for the inputs you provide. The result is only as good as the return assumption you enter, since actual mutual fund returns vary with market performance and are never guaranteed.
There is no single correct number. Many advisors use 10-12% for large-cap or flexi-cap equity funds and 12-14% for aggressive mid/small-cap allocations over long horizons, based on historical averages. Treat any rate you enter as an assumption for planning, not a forecast.
No. It shows the nominal future value of your SIP, not inflation-adjusted purchasing power. If you want to plan for a goal in today's rupee terms, use our Goal Calculator.
This version assumes a flat monthly amount for the full tenure. If you plan to increase your SIP amount annually, use our SIP Step-Up Calculator, which simulates the increasing instalments month by month.
No. All figures are illustrative projections based on the return rate you choose, not a promise of actual performance. Mutual fund investments are subject to market risk and actual returns can be higher or lower than shown here.
Our Team's Credentials
AMFI MF Distributor (2823) & MF/SIF Distributor (300788)
CFP Certification, FPSB India
MDRT (6x): Rekha Guliani
LUTCF, The American College of Insurance
Chairman Club, ICICI Prudential MF
Turn This Projection into a Real Plan
Book a free* guidance with our team. We'll review your income, goals, and timeline to recommend the right SIP amount, fund category, and variant for your situation.
A member of our team will confirm a time within one business day.
We do not charge anything for the guidance we provide. For any investments made through us, the AMCs may pay us a commission. Our recommendations are based on your risk profile, time horizon, and financial requirement, not on the commission we may earn.