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SIP Calculator

Estimate how much your monthly Systematic Investment Plan (SIP) could grow to, based on the amount you invest each month, the expected annual return and the investment period.

How to use this tool

Results are estimates for planning. For exact figures specific to your situation, speak with our Chartered Accountants.

SIP Calculator

Actual mutual fund returns are market-linked and not guaranteed. This calculator gives an estimate only and is not a substitute for professional advice — talk to our team for exact figures specific to your situation.

How it works

How the calculation works

The calculator uses the future value of a series of monthly investments:

FV = P × [((1 + r)n − 1) ÷ r] × (1 + r)

where P is the monthly investment, r is the expected monthly rate of return (annual rate ÷ 12) and n is the number of monthly instalments. Actual mutual fund returns vary with market conditions.

Key things to know

FAQs

Frequently asked questions

Have a question about your own case? Call us on +91-141-3012220.

No. Mutual fund returns depend on market performance. The calculator only illustrates growth at a constant assumed rate.

Tax depends on whether the fund is equity-oriented or not and on how long each instalment is held. Our CAs can help you plan redemptions tax-efficiently.

Yes. Most funds allow you to increase, pause or stop your SIP.

SIP spreads investments over time and averages purchase cost, which suits regular earners. A lump sum may suit those with a large amount to invest at once.

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Need exact numbers for your case?

Calculators give estimates only. Our CAs can compute your exact tax and compliance position.