SIP Calculator

⚡ In shortSee how a monthly Systematic Investment Plan (SIP) in mutual funds could grow over time — free and instant, using compound growth. Future value = P × (((1+i)^n − 1) ÷ i) × (1+i), where P is the monthly SIP amount, i is the monthly expected return (annual return ÷ 12 ÷ 100) and n is the number of monthly instalments. Your invested amount is P × n, and the estimated gain is the future value minus the invested amount. Returns are market-linked and not guaranteed.

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How it is calculated

Future value = P × (((1+i)^n − 1) ÷ i) × (1+i), where P is the monthly SIP amount, i is the monthly expected return (annual return ÷ 12 ÷ 100) and n is the number of monthly instalments. Your invested amount is P × n, and the estimated gain is the future value minus the invested amount. Returns are market-linked and not guaranteed.

Frequently asked questions

Are SIP returns guaranteed?

No. Mutual-fund SIP returns are market-linked and vary with fund performance. The calculator's figure is an estimate based on an assumed average return, not a guarantee.

Is SIP better than a lump sum?

SIP averages your purchase cost over time (rupee-cost averaging) and suits regular savers; a lump sum can do better in a rising market but carries timing risk. They suit different situations.

Is equity-mutual-fund gain taxable?

Long-term capital gains on equity funds are taxed at 12.5% above the ₹1.25 lakh annual exemption, and short-term at 20% (verify current rates). Each SIP instalment has its own holding period.