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.
How to use
- 1Choose “Monthly SIP” for a recurring investment, or “One-time” for a lumpsum.
- 2Enter the amount you invest each month.
- 3Set your expected annual return and how many years you will stay invested.
- 4Read the total invested, the estimated returns, and the final value.
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.
What happens if I stop my SIP halfway?
The money already invested stays invested and keeps compounding, but the contributions stop. Most of a long SIP's final value comes from the last few years of compounding, so stopping early costs far more than the instalments you skip.
Does this account for exit load and capital gains tax?
No — it shows gross returns. Equity funds charge around 1% exit load if you redeem within a year, and long-term capital gains above ₹1.25 lakh a year are taxed at 12.5%. Subtract those from the final figure.
Should I pick growth or dividend?
Growth, in almost every case. Dividends are taxed at your slab rate as they are paid, while growth defers the tax until you sell and lets the full amount compound in the meantime.