SIP Calculator
Estimate the maturity value of your monthly SIP mutual fund investment.
Projected returns are estimates, not guaranteed.
Estimated maturity value
₹11.62 Lakh
Your investment grows approximately 1.94× over 10 years.
Total invested
₹6.00 Lakh
Estimated gains
₹5.62 Lakh
Growth over time
Invested vs. gains
Yearly projection
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
Formula
M = P × [((1 + r)^n − 1) / r] × (1 + r)
Where M is the maturity value, P is the monthly investment, r is the monthly rate of return, and n is the number of monthly installments.
Assumptions
This calculator assumes a constant monthly rate of return derived from your expected annual return, and that investments are made at the start of each month. Actual mutual fund returns vary based on market performance and are not guaranteed.
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Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals, typically monthly, allowing you to build wealth gradually through disciplined investing and compounding.
Is the SIP maturity value guaranteed?
No. This calculator projects an estimated maturity value based on an assumed constant annual return. Actual mutual fund returns fluctuate with market performance and are never guaranteed.
Does SIP investing average out market volatility?
SIPs use rupee-cost averaging, meaning you buy more units when prices are low and fewer when prices are high, which can smooth out the impact of market volatility over time, though it does not eliminate investment risk.