A Systematic Investment Plan lets you invest a fixed amount in a mutual fund every month. Because returns compound and you keep adding new contributions, the corpus grows faster than a simple lump-sum calculation over long periods. This calculator projects that growth, including a year-wise breakdown.
How to Use This Calculator
- Enter your monthly SIP amount.
- Enter your expected annual rate of return.
- Enter your investment period in years.
- View your invested amount, estimated returns, total corpus, and a year-wise table.
How the Calculation Works
Future Value = P × [((1 + i)^n − 1) / i] × (1 + i)
Where P = monthly investment, i = expected monthly rate of return (annual rate ÷ 12), and n = number of months invested.
Worked Example
A monthly SIP of ₹10,000 for 10 years at an assumed 12% annual return grows to an estimated corpus of roughly ₹23.2 lakh, of which ₹12 lakh is your own invested amount and the rest is estimated growth — actual returns vary with market performance.
Who Should Use This
Anyone building a long-term mutual fund investment habit and wanting to visualise how compounding and time affect the eventual corpus.
Important Considerations
Mutual fund returns are market-linked and not guaranteed — the "expected return" you enter is an assumption, not a promise. Actual returns can be higher or lower, including negative in poor market years.
Common Mistakes
Using an unrealistically high assumed return (well above long-term market averages) makes projections misleading. Stress-test your plan with a conservative rate as well as an optimistic one.
References
See also the Step-Up SIP Calculator for a version that models annually increasing contributions.