INVESTMENTS
Use this SIP calculator for India to estimate your total investment, expected returns and future value from a monthly SIP, assumed return and investment period.
Estimated value
₹23,00,387
Total invested
₹12,00,000
Estimated returns
₹11,00,387
Breakdown
A SIP calculator helps estimate how a regular monthly investment could grow over time. Enter your monthly SIP amount, an assumed annual return and the investment period. This calculator assumes each SIP instalment is invested at the end of the month and compounds at a constant monthly rate. The result is an illustration, not a guaranteed return.
Read our detailed guide for the assumptions, examples, common mistakes and practical ways to interpret the result.
Read the SIP Calculator India guide →If you invest ₹10,000 at the end of each month for 10 years and assume a 12% annual return converted to a 1% monthly rate, the model estimates a future value of about ₹23.0 lakh. Your total contributions would be ₹12 lakh, with about ₹11.0 lakh representing projected growth.
This is an illustrative calculation, not a return forecast. Actual mutual-fund returns vary and may be negative over some periods.
The calculator uses a standard monthly-compounding SIP model. The monthly contribution is assumed to be invested at the end of each month, and the annual return entered by the user is converted to a monthly rate for the estimate.
FV = P × [((1 + r)^n − 1) / r], assuming each monthly SIP is invested at the end of the month.
Actual mutual-fund returns vary over time. The result does not account for expense ratios, taxes, exit loads, market volatility or the exact NAV on each instalment date.
It estimates the future value of regular monthly investments using the monthly rate derived from the assumed annual return and the number of monthly instalments.
No. Mutual fund returns are market-linked and actual returns can be higher or lower than the assumed rate.
Enter ₹10,000 as the monthly investment, then choose your assumed annual return and investment period. The calculator will show the total amount invested, estimated returns and projected value.
Yes, it is designed as an educational projection for regular mutual-fund SIP investments in India. Actual results depend on market performance, NAVs, fees and taxes.
Disclaimer: Results are estimates for educational and informational purposes. They are not financial, tax, legal or investment advice. Rates, tax rules and product terms can change; verify current applicable rules before making financial decisions.