ToolPilot
SIP calculator
Project wealth from a monthly SIP using expected return and duration. Figures are illustrative and not investment advice.
SIP inputs
₹10,000/month
Results
- Invested amount
- ₹18,00,000
- Est. returns
- ₹32,45,760
- Total value
- ₹50,45,760
Investment vs returns
Illustrative split at maturity
How it works
We use the SIP future-value formula for instalments at the start of each month: FV = P × [((1 + r)n − 1) / r] × (1 + r), where P is the monthly SIP, r is the monthly rate (annual ÷ 12), and n is months. Returns are compounded monthly at the rate you enter—actual mutual fund returns vary.
FAQ
Is the SIP calculator guaranteed to match my fund statement?
No. NAV changes daily, loads/taxes may apply, and some SIPs debit at month-end. This SIP calculator uses a smooth assumed return for planning only.
What return should I enter in the SIP calculator?
Use a conservative long-term assumption (e.g. 8–12% for hybrid/equity blends) rather than recent bumper years. Stress-test with lower rates to see downside.
Does this SIP calculator include tax on withdrawals?
It shows gross maturity value. LTCG/STCG rules for equity/debt funds apply at redemption and are not modeled here.
Why use monthly SIP from ₹500 to ₹1 Lakh?
Those limits match common retail SIP ranges in India and keep inputs realistic for this free SIP calculator tool.