SIP Calculator

Invest a fixed amount every month and let compounding do the heavy lifting. See what your SIP could grow to.

Long-run equity funds have historically delivered 10–13%, but nothing is guaranteed
Future value
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You invest
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Est. returns
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Want to raise your SIP every year? Try the Step-Up SIP calculator. Saving for something specific? Use the SIP Goal calculator.

How SIP returns are calculated

Each instalment is invested at the start of the month and grows at your expected annual return ÷ 12 every month: FV = P × [((1+i)n − 1) ÷ i] × (1+i), where i is the monthly rate and n the number of months. Real funds don't grow in a straight line; treat the result as a planning estimate.

Equity mutual fund gains held over a year are taxed as long-term capital gains above an annual exemption. This calculator shows pre-tax values.