Mutual Fund / SIP Calculator
Estimate the future value of your systematic investment plan.
Last updated: Aug 3, 2026
Disclaimer: Results here are estimates for general understanding only and are not financial, tax, investment or legal advice. Figures assume constant rates and inputs, and may differ from your bank, lender or tax department calculations. Always verify with official sources or a qualified professional before making any financial decision.
01
SIP Future Value
$$ FV = P \times \frac{(1+i)^n - 1}{i} \times (1+i) $$
Step 1
$$ P = \text{monthly SIP amount} $$
Amount invested every month.
Step 2
$$ i = \frac{\text{expected annual return}}{12 \times 100} $$
Monthly rate of return.
Step 3
$$ n = \text{total months} $$
Investment period in months.
Step 4
$$ FV = P \times \frac{(1+i)^n-1}{i} \times (1+i) $$
Estimated corpus at the end of the period.
—
About SIP Mutual Fund Calculator
Systematic Investment Plans (SIPs) are the most popular way Indians invest in mutual funds. This calculator projects the future value of a regular monthly investment assuming a constant annualised return. Equity mutual funds have historically delivered 10–15% CAGR over long periods, while hybrid and debt funds offer lower but more stable returns.
Use realistic expected returns (10–12% for diversified equity) and longer horizons for better accuracy. Actual returns will vary with market conditions. The calculator does not account for expense ratio, exit load or capital gains tax.
Practical Tips (India)
Tip 1: Start early — an extra 5 years of SIP can double the wealth-gained portion thanks to compounding.
Tip 2: Assume 10–12% for diversified equity, 8–10% for hybrid, and 6–7% for debt funds; avoid inflated expectations.
Tip 3: Review fund performance vs its benchmark every year, but stay invested through volatility for the full horizon.
Frequently Asked Questions
What return should I assume for equity SIPs?
A conservative long-term assumption is 10–12% for large-cap or flexi-cap funds. Higher assumptions increase projected corpus but also risk of shortfall.
Does this include expense ratio?
No. The expected return you enter should already be net of expense ratio if you want a more accurate projection.
Can I calculate step-up SIP?
This version is for fixed monthly SIP. For annual step-up, increase the SIP amount manually and re-run the calculation for different periods.
Is SIP better than lump sum?
SIP reduces timing risk through rupee-cost averaging and is suitable for most salaried investors. Lump sum can work if you have a large amount and long horizon.
How accurate is the projection?
It is an estimate based on constant return. Real markets fluctuate. Use it for planning, not as a guaranteed outcome.