SIP Calculator

Find the future value of your monthly SIP investment with monthly compounding.

Enter SIP Details

Monthly investment (₹)

Expected return (%/yr)

Tenure (years)

₹12,00,000

Invested

₹11,23,391

Estimated gain

₹23,23,391

Future value

How SIP is calculated

SIP future value uses the annuity-due formula: FV = P × [((1 + r)^n − 1) / r] × (1 + r). Returns are illustrative; actual mutual fund returns vary with the market.

Pair this with our FD calculator or PPF calculator to compare options.

Frequently Asked Questions

What is the SIP formula?

Future Value = P × [((1 + r)^n − 1) / r] × (1 + r), where P is monthly investment, r is monthly rate (annual ÷ 12 ÷ 100), and n is total months.

Is SIP better than lump sum?

SIP averages out market volatility through rupee-cost averaging and is generally recommended for long-term wealth creation by salaried investors.

Are SIP returns guaranteed?

No. SIP invests in mutual funds and returns depend on market performance. The calculator assumes a constant rate for projection only.

How much should I invest in SIP for ₹1 crore?

At an assumed 12% annual return, an SIP of around ₹10,000/month for 20 years can grow to roughly ₹1 crore — exact figure depends on actual fund returns.