SIP Calculator
Estimate the future value of a monthly SIP investment with annual compounding, a staple for Indian investors planning for long-term goals.
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Frequently asked questions
Quick answers before you start.
What return should I assume for a SIP?
Equity mutual funds have historically returned 10–14% annually over long periods in India, but returns are not guaranteed. Use 12% as a middle estimate, and try 10% and 14% to see the range.
How is SIP future value calculated?
The calculator uses the future value of an annuity formula: FV = P × ((1+r)^n − 1) / r × (1+r), where P is the monthly investment, r is the monthly return rate, and n is the number of months. It assumes your investment compounds monthly.
When should I start a SIP?
The earlier, the better — time does most of the work. Investing ₹5,000 monthly for 20 years at 12% grows to roughly ₹50 lakh, while the same SIP over 10 years reaches about ₹11.6 lakh. Starting five years earlier can more than double your corpus.
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