SIP Calculator
Enter your monthly SIP amount, expected return and duration — get the maturity value, total investment and wealth gain instantly.
How to use — SIP Calculator
- Enter the monthly SIP amount (e.g. ₹5,000).
- Enter the expected annual return — the long-term average for equity mutual funds is ~12%.
- Enter the duration in years.
- Click Calculate — see the maturity value, total invested, and wealth gain.
FAQ
How is SIP return calculated?
The standard SIP formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P = monthly amount, i = monthly return (annual ÷ 12 ÷ 100), and n = total months. This is the same formula AMCs and apps use.
Is a 12% return guaranteed?
No — mutual fund returns depend on the market. 12% is the historical long-term average for equity funds, not a guarantee. Try 10% for a conservative estimate.
SIP vs lumpsum — which is better?
SIP gives rupee-cost averaging — you get more units when the market falls. It also builds discipline for salary earners. Lumpsum is better when the market is low and the money is ready.
Does this calculate step-up SIP?
This currently calculates a fixed monthly SIP. Step-up SIP (increasing the amount each year) needs a different calculation — we'll add it soon.