INVESTING TOOL

SIP Calculator

Estimate how a monthly systematic investment plan could grow over time, and separate your contributions from the estimated growth.

Reviewed 18 September 2026

Enable JavaScript to calculate estimates.

Illustrative estimate with contributions at the beginning of each month, a constant annual rate divided by 12, and monthly compounding. Actual market returns vary and can be negative. Taxes and fees are excluded.

What this estimate shows

The result shows an estimated future value, the amount you contributed and the estimated growth. It helps you compare monthly investment amounts, time periods and assumed returns.

How the calculation works

The calculator converts the annual return into a monthly rate, compounds it over the selected period and assumes each contribution is made at the beginning of the month.

Before you rely on the result

Market returns are not fixed and can be negative. The estimate excludes taxes, fund expenses, exit loads and changes in your monthly contribution.

Common questions

Is the return guaranteed?

No. The return is an assumption for comparing scenarios, not a forecast or promise.

Does it include taxes and fund costs?

No. Taxes, expense ratios and other charges can reduce the amount you receive.

When is each contribution assumed?

The estimate assumes a contribution at the beginning of every month.

Formula, assumptions and example

Formula: M = P × [((1 + r)^n − 1) ÷ r] × (1 + r), where P is the monthly contribution, r is the monthly assumed return and n is the number of contributions. This tool assumes each contribution is made at the beginning of the month.

Worked example: Using the starting values above, ₹5,000 invested at the beginning of each month for 10 years at an assumed 10% annual return produces an estimated value of ₹10,32,760. Contributions total ₹6,00,000; estimated growth is ₹4,32,760.