SIP Calculator
Project the maturity value of a Systematic Investment Plan — regular monthly investments compounding at an expected annual return.
Estimated maturity value
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Total invested —
Estimated gains —
Wealth multiple —
Amounts in your own currency. Returns are assumed constant; actual mutual-fund returns fluctuate and are not guaranteed.
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How it works
FV = P × ((1+i)ⁿ − 1) ÷ i × (1+i), i = annual return ÷ 12Frequently Asked Questions
How is SIP maturity calculated?
Each monthly instalment compounds from the month it's invested. ₹10,000/month for 15 years at 12% grows to about ₹50.4 lakh — of which only ₹18 lakh is your investment and the rest is growth.
What return should I assume for SIP?
Equity mutual funds have historically returned 10–14% over long periods in India, but returns are not guaranteed and vary year to year. Use 10–12% for planning and treat higher figures as optimistic.
Is SIP better than lump sum?
SIP averages your purchase price across market ups and downs (rupee-cost averaging) and removes timing pressure, which suits regular earners. A lump sum can outperform in a steadily rising market — compare both with our lumpsum calculator.