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SIP Calculator India
Estimate SIP future value and returns with monthly investments made at the end of each month.
About the SIP Calculator India
A SIP (Systematic Investment Plan) is a method of investing a fixed amount periodically, commonly in mutual funds. This monthly SIP calculator estimates growth using a constant return rate and contributions at the end of each month. Results depend on the rate you enter. Mutual fund returns are market-linked, are not guaranteed, and actual returns can differ. Past performance does not guarantee future performance. This is an educational planning tool, not investment advice. See AMFI guidance on mutual fund risks.
How to use it
Enter a monthly investment, your assumed annual return and the investment period. Select Calculate to view total invested, estimated returns and estimated future value. The 12% default is an illustration, not a promised or typical return.
Formula / Explanation
Let P be the monthly investment, i = annual return / 12 / 100 and n = years × 12. With end-of-month contributions, FV = P × ((1 + i)^n − 1) / i. At 0%, FV = P × n. Total invested = P × n; estimated returns = FV − total invested. The calculation does not multiply by (1 + i). The annual percentage is divided by 12, not converted from an effective annual rate.
Example
For ₹5,000 invested at the end of each month for 10 years, an illustrative 12% annual rate gives i = 0.01 and n = 120. Total invested: ₹6,00,000. Estimated returns: ₹5,50,193. Estimated future value: ₹11,50,193. Figures are rounded to the nearest rupee; the calculation retains precision internally.
SIP vs lump sum: how do they differ?
A SIP spreads contributions across time. A lump sum is invested upfront, so the entire amount is exposed to market movements from the start. This tool models equal monthly contributions only; it does not compare funds or recommend a method.
How does the investment period affect SIP growth?
A longer period adds more contributions. At a positive assumed return, earlier contributions also have more time to compound. Market returns fluctuate, so this smooth projection is not a forecast of actual fund performance.
When are monthly contributions invested?
At the end of each month. The final contribution earns no return before the end of the modeled period. A beginning-of-month convention would produce a different estimate and is not used here.
Can I use a decimal return or investment period?
Yes. For example, 10.5% is supported and 1.5 years equals 18 months. Decimal years are multiplied by 12 without rounding. A fractional-month result is a mathematical approximation, not an exact contribution schedule. The minimum period is one month.
What happens at 0% return or zero investment?
At 0%, estimated future value equals the total invested and estimated returns are zero. A zero monthly investment produces zero for all three results.
Does this include fees, taxes, inflation or market losses?
No. It uses a constant non-negative return assumption without separately modeling fees, taxes, inflation, step-up contributions or withdrawals. Actual investments can lose value. Adjusting an assumption is not a substitute for reviewing a fund’s risks and costs.
What are the input and display limits?
For numerical reliability, monthly investment is limited to ₹1,00,00,00,000, annual return to 0–100%, and the period to one month–100 years. Estimates above ₹1,00,00,00,00,00,00,000 are rejected. These are calculator limits, not guidance about suitable investments or achievable returns. Results are displayed to the nearest rupee.
Basic Calculator
Perform basic math operations like addition, subtraction, multiplication, and division. Includes memory functions and square root support.
How to Use
Enter a monthly investment, your assumed annual return and the investment period. Select Calculate to view total invested, estimated returns and estimated future value. The 12% default is an illustration, not a promised or typical return.