SIP Calculator

Choose the SIP mode to estimate the future value of a fixed monthly investment. Enter your monthly SIP amount, the number of years you plan to stay invested, and an expected annual return. The calculator shows your total investment, the estimated returns and the estimated future value.

Switch to the Goal SIP mode to work backwards from a target amount. Enter the amount you want to accumulate, the investment period and an expected annual return, and the calculator shows the monthly SIP you may need to reach that goal.

If you invest ₹10,000 every month for 10 years at an expected 12% annual return, the total amount invested would be ₹12,00,000. The estimated future value, assuming the illustrative return is achieved, would be higher — with the difference being your estimated returns. The Goal SIP mode works the same way in reverse: enter a target and it tells you the monthly SIP that may be required.

The SIP calculator assumes a fixed monthly investment made at the beginning of each month and compounds the return monthly at one-twelfth of the annual rate you enter. The Goal SIP mode solves the same future-value formula for the monthly amount instead of the future value.

The expected return you enter is an assumption for illustration only. Real mutual fund returns fluctuate year to year and are not guaranteed. The calculator does not account for inflation, taxes, exit load or expense ratios, all of which affect the actual outcome.