How to calculate SIP returns
Enter how much you plan to invest every month, your expected annual rate of return, and how many years you'll keep investing. The total amount you'll have put in, the estimated growth on top of that, and the projected maturity value update instantly, along with a chart showing how the invested amount and the growth diverge over time.
A SIP calculator like this is most useful for comparing scenarios before you commit — what happens if you invest for 15 years instead of 10, or increase the monthly amount by a couple thousand rupees. The gap between "total invested" and "maturity value" is the entire point of starting early: compounding does more of the work the longer the money stays invested, which is easier to see in a chart than to intuit from the numbers alone. This assumes a constant rate of return for simplicity — real fund returns move up and down, so treat the result as a planning estimate, not a forecast.
How is SIP maturity value calculated?
This calculator uses the standard SIP future-value formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is your monthly investment, i is the assumed monthly rate of return, and n is the number of months. It assumes a constant rate of return, which is a simplification — real markets don't move in a straight line.
Is the estimated return guaranteed?
No. This is a projection based on an assumed constant annual return you enter — actual mutual fund returns fluctuate with the market. Use this to compare scenarios, not as a promise of what you'll actually receive.
What return rate should I assume?
This calculator doesn't recommend a rate — that depends on which fund or fund category you're considering. A common approach is to check a specific fund's own long-term average return on its factsheet and use that as your estimate, understanding it's still not a guarantee.
What's the difference between total invested and estimated returns?
Total invested is simply your monthly amount multiplied by the number of months. Estimated returns is the gain on top of that from compounding. Maturity value is the two added together.
Is my investment data stored or uploaded anywhere?
No — every calculation happens locally in your browser using plain JavaScript. Nothing you enter is sent anywhere or saved once you leave the page.