Free online calculator
SIP Calculator
Estimate the future value of fixed monthly SIP contributions and separate invested amount from projected gains.
Free calculator
SIP Calculator
Enter your values to see the result.
Formula explained
For end-of-month contributions: future value = P × [((1 + i)^n − 1) ÷ i], where i is the monthly return rate and n is the number of months.
Worked example
A ₹5,000 monthly SIP for 10 years at an assumed 12% annual return invests ₹6,00,000; the calculator estimates the projected value and gains.
Limitations and assumptions
Returns are projections, not guarantees. The calculation assumes a constant nominal annual return compounded monthly and contributions at each month-end. It excludes taxes, fees and market volatility.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual-fund and market-linked returns vary. This tool only illustrates a constant-rate scenario.
When is each contribution assumed?
At the end of each month. This assumption is stated so results can be compared consistently.