Are SIP returns guaranteed?

No. SIPs invest in mutual funds whose returns vary with the market. The expected return you enter is an assumption, not a promise.

Why is my actual SIP value different?

Real funds deliver variable monthly returns and charge an expense ratio. This calculator assumes a constant compounding rate net of charges.

Does this use annuity-due or ordinary annuity?

Annuity-due (contribution at the start of each month), matching how most Indian SIPs are processed.

SIP Calculator

Estimate the future value of a Systematic Investment Plan using the standard annuity-due formula.

Inputs

Monthly investment

INR

Expected annual return

Investment period (years)

yrs

Currency

Result

Future Value

₹2,323,390.76

After 120 monthly investments

Total Invested₹1,200,000.00

Wealth Gained₹1,123,390.76

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Formula

FV = M × [((1 + i)^n − 1) / i] × (1 + i) — M monthly SIP, i = annual return / 12, n = months.

How it works

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. This calculator estimates the future value of your SIP using the industry-standard annuity-due formula.

Example

Example: ₹10,000/month for 10 years at 12% expected return → ~₹23.2 lakh future value on ₹12 lakh invested.

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Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.