Calculate SIP returns online
₹6,00,000
Invested amount
₹5,61,695
Estimated returns
₹11,61,695
Total value
Estimate only — actual mutual fund returns vary and aren't guaranteed.
A Systematic Investment Plan (SIP) grows through monthly investments compounding over time. Enter your monthly investment, expected annual return, and duration to see your total invested amount, estimated returns, and total value at the end — calculated instantly using the standard SIP future value formula. This is an estimate; actual mutual fund returns vary and aren't guaranteed.
Why SIP returns look surprising
The projected total is often far higher than people expect relative to what they invested, and that gap is compounding. Each monthly instalment earns returns, and those returns then earn returns themselves. Money invested in year one has fifteen years to compound in a fifteen-year plan; money invested in the final year has almost none. This is why starting earlier matters more than investing more later.
The expected return is your assumption, not a promise
The rate you enter is a guess about the future, and equity markets do not deliver a steady annual percentage — they deliver volatile returns that average out over long periods. A plan modelled at 12 percent might return 8 or 16 depending on the decade. Running the same numbers at a pessimistic rate as well as an optimistic one gives a range, which is far more useful for planning than a single confident figure.
What the calculation excludes
This shows gross returns. Actual outcomes are reduced by the fund's expense ratio charged annually, possible exit loads on early redemption, and tax on gains — which in India depends on the fund type and holding period. It also assumes you never miss an instalment and never withdraw, neither of which survives contact with real life. The figure is a planning tool, not a projection of your account balance.
Frequently asked questions
- What formula does this use?
- The standard SIP future value formula for a monthly annuity due: FV = P × ({(1+i)^n − 1} / i) × (1+i), where P is the monthly investment, i is the monthly rate, and n is the number of months.
- Is the expected return guaranteed?
- No, mutual fund returns are market-linked and not guaranteed. The expected return you enter is your own assumption for planning purposes, not a promised rate.
- Does this account for expense ratios or exit load?
- No, this calculates gross returns based on your assumed rate — actual returns after fund expenses will be somewhat lower.
- Is my data sent anywhere?
- No, calculation happens locally in your browser. Nothing is transmitted.
- Is the projected amount guaranteed?
- No. Mutual fund returns are market-linked and vary year to year. The rate you enter is an assumption for planning, not a promised outcome.
- Does this account for fund fees and tax?
- No, it shows gross returns. Expense ratios, exit loads, and capital gains tax all reduce the real figure.