Estimate how your monthly mutual fund SIP grows over time.
Estimate only — mutual fund returns are subject to market risk.
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month in mutual funds, building wealth gradually through compounding. This SIP calculator projects the future value of your monthly investments at an expected annual return.
Enter your monthly investment, expected return rate, and investment period to see your total invested amount, estimated gains, and maturity value. It is a planning estimate — actual mutual fund returns vary with the market.
Equity mutual funds in India have historically returned around 10–12% annually over long periods, but returns are not guaranteed. Use a conservative estimate for planning.
Each monthly installment earns returns, and those returns themselves earn returns in later months — so the earlier you start, the more compounding works in your favour.
SIP averages your purchase price across market ups and downs (rupee-cost averaging) and suits regular income earners, while lump sum investing can work better in rising markets.