Calculate the future value of your monthly SIP investments, with total invested and estimated returns.
A SIP, or Systematic Investment Plan, is the habit of putting a fixed amount into a mutual fund every month instead of one large sum at once. The hard part is picturing where those small, steady contributions actually land after ten or twenty years, because the growth is not a straight line. This calculator turns your monthly amount, an expected annual return, and a time horizon into a single future value, so you can see whether saving 5,000 or 15,000 a month gets you closer to a goal like a house deposit or a child's education.
You enter three things. The monthly investment is what you plan to contribute each month, the expected return is the yearly rate you assume the fund earns, and the duration is how many years you keep going. As you change any field the projection updates, showing the total you invested, the estimated gain on top, and the final maturity value. It helps to try a few return rates rather than one, because equity funds do not deliver the same number every year.
Under the hood it uses the standard future value of a series formula, where each monthly contribution compounds for the number of months still left until the end. The annual return you type is divided by twelve to get a monthly rate, and every instalment grows at that rate for its remaining life. As a rough example, investing 10,000 a month for 15 years at an assumed 12 percent annual return puts in 18 lakh of your own money and, on that assumption, grows to well over double that. The result is only ever an estimate, since the real return depends entirely on the market and the fund you choose.
Reach for a SIP calculator when you are investing gradually out of monthly income, which is how most salaried people invest. If instead you have a single windfall to deploy today, a lumpsum calculator answers that better, because the whole amount compounds from day one rather than trickling in. Many people run both to compare investing a bonus at once against spreading it over a year.
It suits a few common situations. Someone starting their first job can test how a modest monthly habit builds over decades. A parent can work backwards from a target corpus to the monthly amount it demands. An investor reviewing an existing plan can check whether stepping the contribution up by a couple of thousand meaningfully changes the finish line.
Everything runs in your browser, so the numbers you type never leave your device and nothing is uploaded to a server. There is no sign-up and no fee, and the only real limit is your device's own memory, which a few numeric inputs will never trouble. Treat the output as a planning guide rather than a promise, and always confirm a fund's real track record before committing money.
No. The return you enter is an assumption you choose, not a rate the fund promises, and actual market returns vary year to year and can be negative. Use a conservative figure and treat the maturity value as a rough projection, not a fixed outcome.
It shows the plain future value in today's rupees without adjusting for inflation. If you want a sense of real purchasing power, mentally discount the result or run it with a lower return rate to approximate the inflation-adjusted figure.
There is no official number, so it is safest to base it on the long-term history of the specific fund category you are considering rather than a single optimistic guess. Running the calculation at two or three rates gives you a range instead of a false sense of precision.
This tool assumes a fixed monthly contribution throughout the term. To approximate a step-up you can run separate calculations for each amount and time period and add the results, though a dedicated step-up mode would be more precise.
No, the figure is your gross maturity value before any capital gains tax. What you actually keep depends on how long you held the units and the current tax rules, so check the prevailing rates before counting on the full amount.
That gap is compounding at work, since your earliest instalments have the most years to grow and returns start earning returns of their own. Over long horizons the growth portion often exceeds the money you contributed, which is the whole point of starting early.
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