SIP Calculator
Future value of a Systematic Investment Plan (monthly mutual fund investment).
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About this calculator
A SIP invests a fixed amount into a mutual fund every month. Because each instalment buys units at different market levels, returns compound on every past instalment.
This calculator uses the standard annuity-due approximation with monthly compounding. Actual mutual fund returns vary because markets fluctuate — treat the output as an estimate, not a guarantee.
Formula
How to use the SIP Calculator
- Enter the amount you will invest each month.
- Enter an expected annual return. Equity funds have historically delivered ~11–13% over long periods, but past performance never guarantees future results.
- Set the duration in years to see the projected maturity value.
Frequently Asked Questions
Is SIP return guaranteed?
No. SIPs invest in market-linked funds; returns depend on fund performance. This calculator projects a constant assumed rate for planning purposes only.
What is step-up SIP?
A step-up (top-up) SIP increases your instalment every year, typically by 5–10%, which can significantly raise the final corpus. This basic calculator assumes a constant instalment.
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