See what your monthly SIP (Systematic Investment Plan) could grow into over time. Enter your monthly investment amount, expected annual return, and investment duration to see your maturity value, total invested amount, and wealth gained.
How SIP Returns Are Calculated
SIP maturity value uses the compound interest formula for monthly investments: FV = P × (((1+i)^n − 1) / i) × (1+i), where P is your monthly investment, i is the monthly rate of return, and n is the total number of months invested.
Why Starting Early Matters More Than the Amount
Because SIP returns compound monthly, the length of time you stay invested matters more than how much you invest per month. Try changing the duration slider above and watch how much of your final corpus comes from returns rather than your own contributions — especially past the 15–20 year mark.
Frequently Asked Questions
What return rate should I assume for equity mutual funds in India?
Historically, diversified equity mutual funds in India have delivered 10–14% annualized returns over long periods, though this varies by fund and market cycle. This calculator defaults to 12% as a reasonable long-term estimate — adjust it to match your own fund’s historical performance.
Is SIP better than a lump sum investment?
SIP reduces timing risk by spreading purchases across market highs and lows (rupee-cost averaging), which is why it’s popular for regular income earners rather than one-time investors.
Does this calculator account for expense ratio or exit load?
No — it shows gross returns before fund expenses. Your actual returns will be slightly lower after expense ratio, which typically ranges 0.5–2% annually depending on the fund.