SIP Calculator

See How Regular Investing Could Build Over Time.

Use the SIP Calculator to explore an illustrative future value based on your monthly investment, assumed annual return and investment period.

Calculate Your Illustration

SIP Investment Calculator

Adjust the monthly investment, assumed annual return and investment period to explore different illustrations.

Monthly Investment

₹

₹500 ₹10L / month

Expected Annual Return

1% 30%

Investment Period

Years

1 Year 40 Years

Illustration Summary

Estimated SIP Value

Total Value ₹23.23L

Invested Amount ₹12,00,000

Estimated Returns ₹11,23,391

Estimated Value ₹23,23,391

This calculator provides an illustration based on the assumptions entered. Actual market-linked investment outcomes can vary and are not guaranteed.

Contribution Frequency Monthly

Number of Contributions 120

Illustration Period 10 Years

Understanding the Calculation

Regular Contributions. Compounded Over Time.

A Systematic Investment Plan involves investing a selected amount periodically. In this calculator, the chosen monthly amount is used to create an illustration across the selected investment period.

The assumed annual return is converted into a monthly rate for calculation purposes. Actual market-linked investment performance may differ from this illustration.

Illustration Formula

FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)

P Monthly SIP contribution

i Monthly assumed return rate

n Number of monthly contributions

FV Illustrative future value

How to Use the Calculator

Three Inputs. One Clear Illustration.

Change the inputs to understand how contribution, time and the assumed return can influence the calculated illustration.

Choose Monthly Amount

Enter the amount you would like to use as the monthly SIP contribution.

Enter Assumed Return

Select an annual return assumption for illustration purposes.

Choose the Period

Select how many years you want the SIP illustration to cover.

Review the Result

Compare the total contribution with the illustrative estimated future value.

Keep the Numbers in Context

A SIP Calculator Is A Planning Tool — Not a Promise.

Returns Are Assumed

The rate entered in the calculator is an assumption used to create the illustration.

Market Returns Can Vary

Actual market-linked returns may be higher, lower or negative during different periods.

Goal Context Still Matters

A calculated value should be considered alongside the goal, timeline and financial circumstances.

Review Over Time

SIP amounts and financial goals may need review as circumstances evolve.

Frequently Asked Questions

SIP Calculator, Explained Simply.

Common questions about SIP illustrations and how to interpret the calculated values.

It provides an illustration of how a regular monthly investment could build over a chosen period based on an assumed annual return.

No. The calculator uses the return assumption entered by the user. Market-linked investment returns are not guaranteed and can vary.

The invested amount is the monthly contribution multiplied by the total number of monthly contributions during the selected period.

The return rate is an assumption used only for illustration. It should not be treated as a promised or expected investment outcome.

SIP planning may be reviewed over time as income, goals, financial responsibilities and circumstances change.

Suitability depends on the investor's goals, financial circumstances, time horizon, risk considerations and the investment selected.

Important Information

This calculator is intended only for general informational and educational purposes. The values displayed are illustrations based on the monthly investment amount, assumed rate of return and investment period entered by the user. They should not be treated as guaranteed or assured outcomes. Mutual fund and other market-linked investments are subject to market risks. Actual returns may differ and can be positive or negative. Investment suitability depends on individual goals, financial circumstances, investment horizon and risk considerations. Please review relevant scheme and product documents carefully before making an investment decision.