SIP Calculator
Project the future value of your monthly mutual fund SIP investments.
What is a SIP?
A Systematic Investment Plan lets you invest a fixed amount into a mutual fund every month. Over time, rupee-cost averaging and compounding do the heavy lifting — small, disciplined contributions grow into a meaningful corpus.
The formula
Future value = P × ([(1+i)ⁿ − 1] / i) × (1+i), where P is the monthly amount, i is the monthly return (annual ÷ 12), and n is the number of months. This calculator assumes contributions at the start of each month.
Frequently asked questions
What return should I assume?
Equity mutual funds in India have historically delivered ~11–13% p.a. over long horizons, but returns are not guaranteed. Use a conservative 10–12% for planning.
Does this account for taxes?
No. Long-term capital gains on equity funds above ₹1.25L/year are taxed at 12.5%. The projection shows pre-tax value.