SIP Calculator
See what a monthly SIP could grow to at a rate of return you assume.
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How this is calculated
Each instalment is invested at the start of the month and grows for the remaining months. The calculator works month by month:
Balance after a month = (Balance + Monthly instalment) × (1 + i), where i = annual rate ÷ 12 ÷ 100.
Over n months this is the standard SIP future value formula:
FV = P × [ (1 + i)n − 1 ] ÷ i × (1 + i)
Amount invested is simply the instalment multiplied by the number of instalments. Everything above that is shown as estimated returns.
What it assumes
- The rate of return you enter is assumed to be earned evenly, every month, for the whole period. Real markets do not behave this way.
- Expense ratio, exit load, stamp duty and taxes are not deducted.
- The instalment amount stays the same throughout. For a yearly increase, use the Step-Up SIP calculator.
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Not Sure Which Number to Use?
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Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
