SIP Calculator
Estimate what a monthly SIP in a mutual fund could grow to, how much you invest, and how much is returns.
How to use the SIP Calculator
Enter the amount you invest each month, the yearly return you expect and how many years you will stay invested. Switch to Lumpsum for a one-time investment.
Returns from mutual funds are not fixed. The result shows what the investment would grow to if it earned the rate you entered every year, so treat it as an estimate, not a promise.
Frequently asked questions
How is SIP maturity calculated?
FV = M × ((1 + i)^n − 1) ÷ i × (1 + i), where M is the monthly amount, i is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months. It assumes each instalment is invested at the start of the month.
What return should I assume?
Long-run returns differ by fund type. Many people try a cautious rate and an optimistic one to see the range. Past returns do not guarantee future ones.
SIP or lumpsum, which is better?
A lumpsum is invested all at once, so it gains more if markets rise steadily. A SIP spreads purchases over time, which averages out the price you pay when markets go up and down.
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