Investments
SIP Calculator
Plan your monthly mutual fund SIP. Drag the sliders to see your wealth compound year by year — with live charts and a clear breakdown of invested amount vs returns.
Inputs
Growth
Hover to inspect any year
How the SIP formula works
A Systematic Investment Plan grows through compound interest. Each monthly contribution earns returns, and those returns earn returns. The formula used here is the standard future value of an annuity:
FV = P × ((1 + r)^n − 1) / r × (1 + r)- P — monthly investment
- r — monthly rate (annual ÷ 12 ÷ 100)
- n — total months
FAQs
What return rate should I use?
Equity mutual funds in India have historically delivered 11–14% CAGR over long periods (10+ years). Use 10–12% for conservative planning, 12–15% for aggressive equity portfolios.
Are SIP returns guaranteed?
No. Mutual fund returns are market-linked and not guaranteed. This calculator shows projections based on a constant rate. Actual returns will vary year to year.
Is my data sent to any server?
No. Every calculation runs entirely in your browser. We never see your numbers, and there's no signup or tracking.