SIP Formula
FV = P × [((1 + i)^n − 1) / i] × (1 + i)
- FV = Future value of your SIP investment
- P = Monthly SIP investment amount
- i = Monthly rate of return
- n = Total number of monthly instalments
Estimate the future value of your monthly SIP investments with real-time calculations.
Estimate your SIP returns
Estimate the future value of your monthly SIP investments with real-time calculations.
Adjust how much you plan to invest every month.
Typical equity SIP expectations range from 10%–13%.
Longer horizons usually help compounding work harder.
Annual Step Up
Increase your SIP amount every year.
After 15 Years
₹50.46 L
Estimated future value
Invested Amount
₹18.00 L
Estimated Returns
₹32.46 L
Total Value
₹50.46 L
Monthly SIP
₹10,000
Expected CAGR
12%
Total Months
180
Future Value
₹50.46 L
SIP returns are estimates and do not guarantee future performance. Market risks apply.
A SIP Calculator is an online tool that helps you predict the future worth of a systematic monthly investment. It requires the unit investment, anticipated annual percentage return, and the duration of your investment. One of the most effective ways on how to learn about your SIP investment and the impacts of compounding is through this calculator.
This calculator shows modeled results that are just illustrations and should not be considered accurate. Returns on mutual fund investments depend on numerous elements, such as fund performance, timing of your investment, market performance, expenses, taxes, and a host of other factors.
| Feature | SIP Calculator | Lumpsum Calculator |
|---|---|---|
| Investment type | Regular monthly investment | One-time investment |
| Contribution pattern | Fixed monthly amount | Single upfront amount |
| Best suited for | Investors with regular income | Investors with available surplus funds |
| Investment timing | Invests at regular intervals | Entire amount is invested at one time |
| Step-up option | Can increase investment every year | Not applicable |
| Calculation method | Monthly compounding | Annual compounding |
Both approaches can be useful depending on your financial goals, available cash flow, investment horizon, and risk profile.
The SIP Calculator estimates the future value of monthly mutual fund investments. Enter your monthly SIP amount, expected annual return, and investment duration. The calculator then estimates your total invested amount, potential returns, and future value.
The Lumpsum Calculator estimates how a one-time investment may grow over a selected period. Enter your investment amount, expected return, and investment duration to see the estimated future value and wealth gained.
FV = P × [((1 + i)^n − 1) / i] × (1 + i)
FV = P × (1 + r / 100)^t
Estimate the investment required for goals such as retirement, children's education, buying a home, or long-term wealth creation.
See how regular investments or a one-time investment may grow over time through compounding.
Adjust investment amount, duration, annual return, and SIP step-up percentage to compare different possibilities.
A SIP calculation can help you decide a monthly investment amount that fits your financial plan.
Understand the difference between your invested amount and estimated wealth gained.
Use estimated calculations as a starting point before making investment decisions.
If you invest ₹10,000 every month for 15 years and assume an annual return of 12%, your total investment will be ₹18,00,000. The estimated future value may be approximately ₹50,46,000, including estimated returns of approximately ₹32,46,000.
These examples are only for illustration. Actual mutual fund returns are not fixed and may differ from the estimates shown.
If you invest ₹5,00,000 as a one-time amount for 15 years and assume an annual return of 12%, the estimated future value may be approximately ₹27,36,500. Your estimated wealth gained may be approximately ₹22,36,500.
These examples are only for illustration. Actual mutual fund returns are not fixed and may differ from the estimates shown.
SIP involves investing a fixed amount at regular intervals, usually monthly. A lumpsum investment means investing a larger amount at one time. The suitable option depends on your income pattern, available funds, financial goals, and risk tolerance.
No. Mutual fund returns are market-linked and are not guaranteed. The calculator provides estimates based on the values entered and should not be treated as assured returns.
A step-up SIP increases your monthly investment by a selected percentage or amount at regular intervals, commonly once a year. It may help you invest more as your income grows.
In many cases, investors may increase, decrease, pause, or stop a SIP based on the rules of the mutual fund scheme and investment platform. Check the applicable scheme terms before making changes.
The calculator provides a mathematical estimate based on the values you enter. Actual returns can be different because of market movements, fund expenses, taxation, and investment timing.
Yes. You can use it to make an initial estimate for retirement planning. Consider inflation, your target retirement corpus, current savings, expected expenses, and investment horizon before making a financial plan.
This Mutual Fund Calculator provides illustrative estimates based on the investment amount, expected annual return, investment duration, and annual SIP step-up assumptions entered by the user. Mutual fund investments are subject to market risks, and actual returns may vary. The displayed values do not represent guaranteed returns, investment advice, or a recommendation to invest in any particular mutual fund scheme. Please read all scheme-related documents carefully and consider consulting a qualified financial professional before making investment decisions.