About the SIP Calculator
Estimate how a monthly mutual fund SIP grows over time using the standard monthly-compounding formula, with a chart comparing invested amount against estimated value year by year.
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SIP Calculator
Estimate mutual fund SIP growth with invested versus expected value.
Invested amount
₹18,00,000
Estimated returns
₹32,45,760
Maturity value
₹50,45,760
Invested vs. estimated value
AI insight
Get a brief, general explanation of what these results mean. This is educational information, not personalized financial advice.
How the result is produced
The calculator uses a monthly contribution model with monthly rate `annual return / 12 / 100` and the standard annuity future-value relationship, then separates total contributions from estimated growth.
Example: A ₹5,000 monthly contribution over 10 years at a selected annual return is projected month by month and summarized with a year-by-year chart.
Limitations and review notes
The projection assumes a constant return and regular contributions; market returns, fees, taxes, missed installments, and fund performance vary. It is an educational estimate, not investment advice or a promised outcome.
How to use it
- 1. Enter the monthly investment amount.
- 2. Set the expected annual return and investment duration.
- 3. Review invested amount, estimated returns, and maturity value.
- 4. Check the year-by-year growth chart.
FAQ
Is this SIP calculator specific to India?
It uses the standard monthly-compounding SIP formula used by Indian mutual fund calculators, with amounts shown in Indian rupee formatting.
Are the returns guaranteed?
No. The expected return is an assumption you provide. Mutual fund returns are market-linked and not guaranteed.
Does this account for expense ratio or exit load?
No. This is a simplified projection based on your inputs; it does not model fund expense ratios, exit loads, or taxes.
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