SIP calculator
A systematic investment plan (SIP) puts a fixed rupee amount into a mutual fund each month. This page estimates the future value if those monthly amounts earn a constant annual return, compounded monthly. It does not pick a scheme, adjust for TER, or promise a return. Use it to see how tenure and monthly amount change the invested total and the estimated ending value.
Formula
Monthly rate r = annual return ÷ 12. After n months the ordinary-annuity value is PMT × ((1+r)^n − 1) ÷ r. Invested amount is PMT × n. The difference is the estimated gain at the stated rate.
Questions
Is this the same as a fund’s published SIP return?
No. Published SIP returns use actual NAVs. This calculator uses a constant rate you type in.
When is the installment applied?
At the end of each month (ordinary annuity). A beginning-of-month SIP is slightly higher for the same rate.
Mutual fund investments are subject to market risks; read all scheme related documents carefully. These pages are calculators, not advice.