SIP Calculator India
Estimate the potential future value of monthly SIP investments from your contribution, expected annual return and time horizon.
About the SIP Calculator India
Estimate the potential future value of a monthly SIP using an assumed annual return and investment period. Use it to compare contribution and time scenarios.
How to use this calculator
- Enter the monthly SIP amount.
- Enter an assumed annual return.
- Enter the investment period.
- Review total invested and projected growth.
How the calculation works
The calculator compounds the monthly contribution at the selected monthly equivalent of the annual return. It is a mathematical projection and not a prediction of mutual-fund performance.
Example
A ₹5,000 monthly SIP over 15 years with a 12% assumed annual return produces a mathematical projection that can be compared with lower and higher return scenarios.
Things to keep in mind
- Mutual-fund returns are market-linked.
- Past performance does not guarantee future returns.
- Expense ratios and taxes are not modeled.
- Try several return assumptions rather than relying on one number.
Frequently asked questions
Is the SIP return guaranteed?
No. SIPs are a method of investing, not a guaranteed-return product.
What is the difference between SIP and a lump sum?
SIP spreads contributions over time, while a lump sum invests a larger amount at once.
Can I use this for any mutual fund?
You can use it for a mathematical projection, but the assumed return should not be treated as a fund-specific forecast.