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Harshal Dasani · Tools · SIP Calculator

SIP Calculator

See what a monthly Systematic Investment Plan could grow to — invested amount, estimated returns, and total value, charted over time.

By Harshal Dasani · Markets professional

Your SIP

₹
% p.a.
yrs
How this works

This calculator uses the annuity-due formula — each monthly instalment is assumed to be invested at the start of the month and compounds monthly:

FV = P × ((1 + i)n − 1) / i × (1 + i)

Where P = monthly investment, i = annual rate ÷ 12, n = years × 12.

At 0% return the result is simply P × n (no compounding). All values are in nominal (not inflation-adjusted) rupees. The assumed return rate is fixed for the entire period — real fund returns fluctuate year to year.

Estimated outcome

Invested amount
—
Est. returns
—
Total value
—

Growth over time

Total value Invested

Enter values above to see your estimate.

Illustrative scenario model, not a forecast. Returns are assumed for illustration and not guaranteed. Mutual-fund investments are subject to market risks; read all scheme-related documents carefully.

This is a free educational tool for general information only. It is not investment, tax or legal advice, nor a recommendation or solicitation to buy or sell any security or to avail of any service. Calculations are illustrative and based on the assumptions and inputs you provide; actual outcomes will differ. Securities and mutual-fund investments are subject to market risks — read all related documents carefully. Past performance is not indicative of future results. Please consult a qualified, registered adviser before making any financial decision. Harshal Dasani is a markets professional.