SIP Calculator
Estimate the future value of a monthly SIP or a one-time lumpsum investment — see your total invested amount, estimated returns and final value for any rate and time period.
Total invested
₹12,00,000
Estimated returns
₹11,23,391
Total value
₹23,23,391
Assumes a constant annual return compounded monthly. Actual market returns vary — this is an estimate, not a guarantee.
Frequently Asked Questions
How are SIP returns calculated?
Each monthly instalment compounds at the expected monthly rate for the time it stays invested. The calculator uses the standard future-value-of-annuity formula: FV = P × ((1+i)^n − 1)/i × (1+i), where i is the monthly rate and n the number of instalments.
What return should I assume?
Long-term equity mutual funds in India have historically averaged roughly 10–14% per year, but past performance doesn't guarantee future returns. Try a conservative and an optimistic rate to see the range.
Is SIP better than lumpsum?
SIP spreads your purchase across market ups and downs (rupee-cost averaging) and suits regular income. A lumpsum invested early can earn more if markets rise steadily. Use the toggle above to compare both for the same total amount.