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SIP Calculator Online
Estimate how your monthly Systematic Investment Plan (SIP) grows over time through compounding.
₹6,00,000Total Invested Amount
₹5,61,695Estimated Wealth Gain
₹11,61,695Total Maturity Value
How Mutual Fund SIP Compounding Works
A Systematic Investment Plan (SIP) allows you to invest a fixed amount every month into mutual funds, index funds, or ETFs. Our SIP calculator uses the standard monthly annuity-due compound interest formula to estimate your future corpus:
M = P × [ ((1 + i)^n − 1) / i ] × (1 + i)
Where M = Maturity Value, P = Monthly SIP, i = Monthly Return Rate (Annual% / 12 / 100), n = Total Months
Where M = Maturity Value, P = Monthly SIP, i = Monthly Return Rate (Annual% / 12 / 100), n = Total Months
Frequently Asked Questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on market performance. The expected return rate you enter (such as 10%, 12%, or 15%) is an illustration to help you plan long-term financial goals.
Does this calculator store my financial figures?
No. All calculations happen locally inside your browser tab.
How does increasing tenure affect SIP maturity value?
Because compounding accelerates in later years, extending a SIP from 10 years to 20 years often more than triples the final corpus at a 12% annual return rate.