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SIP calculator

Estimate what a monthly SIP in a mutual fund could be worth after a number of years, how much of that is your own money and how much is estimated growth.

Estimated value
₹23,23,391
Amount invested
₹12,00,000
Estimated gains
₹11,23,391

Assumes the same return every year, compounded monthly, with each instalment invested at the start of the month. Market-linked returns are not guaranteed and can be negative.

Questions, answered

How is SIP return calculated?

For a fixed monthly instalment P, a monthly rate i (annual return ÷ 12 ÷ 100) and n months, the estimated value is P × ((1 + i)^n − 1) ÷ i × (1 + i). This assumes each instalment is invested at the start of the month and the return stays the same every year.

Is the SIP return guaranteed?

No. Equity mutual fund returns vary from year to year and can be negative over short periods. Use the calculator to compare scenarios (for example 8%, 10% and 12%), not as a promise of what you will earn.

SIP or fixed deposit: which is better?

They do different jobs. A fixed deposit gives a known return and suits money you need within a few years. An equity SIP can grow faster over seven years or more but carries market risk. Many investors use both, matched to when they will need the money.

Related guides and tools

These calculators give estimates for general information. They are not financial advice; check figures with your bank or a SEBI-registered adviser before you decide.