Are SIP returns guaranteed?

No. SIPs invest in market-linked instruments, so returns depend on market performance and can be higher or lower than your estimate.

What return rate should I use?

Use a realistic long-term estimate. For diversified equity funds, 10–12% is a common assumption, but past performance does not guarantee future results.

SIP Calculator

Estimate the future value of your monthly SIP investments and see how your wealth can grow over time.

SIP Calculator

Amount / first value

Rate or second value

Years / third value

invested

12,000,000

returns

7,496,563.42

total

19,496,563.42

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month. This calculator estimates the total value of your investment based on your monthly contribution, expected return and duration.

Formula

FV = P \times \frac{(1 + i)^n - 1}{i} \times (1 + i)

P is the monthly investment, i is the monthly rate of return (annual ÷ 12 ÷ 100), and n is the number of months.

How to use

1Enter the amount you plan to invest each month.
2Enter the annual return you expect (a long-term equity estimate is often 10–12%).
3Enter how many years you will keep investing.
4Review your invested amount, estimated returns and total value.

Example

Investing 10,000 per month for 10 years at 12% expected return grows to about 2,300,000, of which roughly 1,100,000 is estimated returns.

SIP returns are estimates, not guarantees. Actual market returns vary year to year. The chart shows how compounding accelerates growth in later years.

Frequently asked questions

Compound Interest CalculatorSee how your savings grow with compound interest across different compounding frequencies.CAGR CalculatorCompute the compound annual growth rate of an investment.ROI CalculatorMeasure return on investment as a percentage and net gain.Inflation CalculatorSee how inflation changes the future value and buying power of money.