EMI Calculator

SIP Calculator

See how a monthly SIP can grow over time. Enter your monthly amount, expected annual return and investment period.

Investment details

Changes how numbers are grouped, for example 1,00,000 or 100,000.

%
years

Your result

Estimated maturity value
0
  • Invested
  • Gains
Total invested
0
Estimated gains
0

Year-by-year growth
YearAmount investedGainsValue

Mutual fund returns are not guaranteed and can be negative. The expected return you enter is an assumption, not a promise. Past performance does not predict future results.

How SIP returns are calculated

A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals. This calculator assumes each contribution is made at the start of the month and compounds monthly at the rate you enter.

FV = P × [((1 + i)n − 1) / i] × (1 + i)
P = monthly investment, i = monthly return (annual / 12 / 100), n = number of months

Frequently asked questions

What return should I assume?

Equity funds have historically returned more over long periods but with more ups and downs. Many people use conservative assumptions, such as 10% to 12% for equity and lower for debt funds. Try a few values to see the range.

Why does starting early matter?

Compounding gives more time to grow. Use the year-by-year table to compare how the final value changes when you change the period.

Does this include taxes or fees?

No. Expense ratios, exit loads, and capital gains tax are not included. Your actual returns will be lower after these costs.