SIP Calculator
Estimate future value of monthly investments.
About this tool
This SIP calculator projects the future value of a fixed monthly investment using an assumed annual return. It separates the amount contributed from the illustrative growth, helping users understand how contributions, time and assumed returns affect a projection.
How to use this calculator
- Enter the monthly contribution.
- Enter an assumed annual return and investment period.
- Calculate the projected value, total contributions and illustrative returns.
Formula
Worked example
Investing ₹5,000 each month for 10 years at an assumed 12% annual return produces a projection based on 120 contributions and a monthly rate of 1%. Actual market returns vary.
Frequently asked questions
Is the SIP return guaranteed?
No. A mutual fund SIP is an investment method, not a guaranteed return. Market values can rise or fall and actual outcomes may be lower or higher than the assumption.
What happens if I invest for longer?
More contributions have time to accumulate and compound, so the projected value often rises. The outcome still depends on actual returns and investment costs.
Does this include taxes and fund expenses?
No. The projection is a simplified estimate before taxes and product-specific costs.
Why is the formula different from a one-time investment?
A SIP adds money periodically. Each instalment has a different amount of time to grow, unlike a lump sum invested at the beginning.
SolveKit provides general calculations for information and planning. Results depend on the values and assumptions entered. For financial, investment, payroll or tax decisions, confirm the applicable product terms and current rules with an authoritative source or qualified professional.