SIP Calculator
See what your monthly mutual fund SIP could grow into. Enter your monthly amount, expected return, and tenure to get the maturity value, gains, and a growth chart.
Understanding the SIP Calculator
This SIP calculator estimates the maturity value of a Systematic Investment Plan, where you invest a fixed amount in an Indian mutual fund every month. It shows how regular monthly contributions, compounded at an assumed rate of return, could grow over your chosen tenure, and separates your total invested amount from the estimated gains. It is built for Indian investors planning goals like retirement, a home, or a child's education in rupees. The figure is an estimate based on a constant assumed return; actual mutual fund returns fluctuate and are not guaranteed.
How it works
You enter the monthly SIP amount, the expected annual return, and the investment period in years. The tool converts the annual return to a monthly rate and applies the future value of an annuity formula, treating each monthly instalment as earning compound growth until maturity. It then reports the maturity value, the total amount you invested, and the estimated wealth gained (maturity minus invested). Read the return assumption as a long-run average, not a yearly certainty; AMFI guidelines recommend illustrating SIPs across conservative and optimistic return scenarios rather than a single rate.
Worked example
Investing Rs 10,000 per month for 15 years (180 months) at an assumed 12% annual return gives a monthly rate of 1%. Applying the formula, the maturity value is about Rs 50.4 lakh. Your total invested amount is Rs 10,000 x 180 = Rs 18 lakh, so the estimated wealth gained is roughly Rs 32.4 lakh, illustrating how compounding does most of the heavy lifting over a long tenure.
Tips & common mistakes
- The expected return is an assumption, not a promise; test 8%, 10%, and 12% to see a realistic spread of outcomes.
- Equity SIP returns vary widely year to year, so the smooth curve hides real volatility along the way.
- Longer tenures dramatically boost the gains share, so starting early matters more than investing larger amounts later.
- This calculator ignores expense ratios, exit loads, and capital gains tax, which reduce the real take-home amount.
- Consider a step-up SIP that rises with your income each year; it can grow the corpus far beyond a flat monthly amount.
Sources & methodology
- • AMFI — Mutual fund calculators and Best Practices return assumptions (https://www.mutualfundssahihai.com/en/calculators)
- • SEBI — Investor education on mutual funds and SIPs (https://investor.sebi.gov.in)
Related tools
Reviewed by the TopOpenTools editorial team · Last updated June 2026. These tools provide general estimates for educational purposes only and are not financial, tax, insurance, investment, or medical advice. Verify important decisions with a qualified professional.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan invests a fixed amount in a mutual fund every month. It builds wealth gradually and averages your purchase cost across market ups and downs (rupee-cost averaging).
How is SIP maturity calculated?
We use the standard future-value-of-annuity formula: M = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly amount, i is the monthly return, and n is the number of months.
Is the return guaranteed?
No. Mutual fund returns vary with the market — the expected return you enter is only an assumption. This is an estimate, not investment advice.