See how much your mutual fund SIP could grow. Enter your monthly investment, expected return and years to get the future value, total invested and estimated gains. Free and fully private.
A SIP (Systematic Investment Plan) invests a fixed amount every month, and each instalment compounds until maturity. The future value uses FV = P × ((1+i)ⁿ − 1) ÷ i × (1+i), where P is the monthly amount, i is the monthly return (annual ÷ 12) and n is the number of months. Because early instalments compound the longest, staying invested for more years is where most of the growth comes from.
A lumpsum invests a single amount today and grows as FV = P × (1+r)ⁿ over n years. Lumpsum can work well when you have a large sum ready and markets are favourable, while SIP spreads your entry across market ups and downs (rupee-cost averaging) and suits regular savers. Use the toggle above to compare both.
Are SIP returns guaranteed?
No. Mutual funds are market-linked. The calculator uses a constant expected return to project a figure, but real returns rise and fall each year and can be higher or lower.
What return percentage should I use?
Many long-term investors model equity SIPs at around 10–12% per year and debt funds lower. Use a realistic, slightly conservative number rather than the best historical year.
Are my numbers sent anywhere?
No. Everything is calculated in your browser; nothing you enter is uploaded or stored.