SIP Calculator
Monthly Investment
Expected Return Rate (p.a)
Time Period (years)
SIP Returns Summary
Invested Amount
₹ 30,00,000
Estimated Returns
₹ 26,00,897
Total Value
₹ 56,00,897
How SIP Returns Are Calculated
SIP uses an annuity-due future value formula with monthly compounding.
M = P * (((1 + i)^n - 1) / i) * (1 + i)
P = Monthly SIP amount
i = Effective monthly return rate = (1 + r)^(1/12) - 1
r = Expected annual return rate (decimal)
n = Total months = years * 12
Related Calculators
Disclaimer
This calculator provides indicative results based on your inputs and assumed rates.
Actual returns, tax liabilities, and outcomes can vary due to market movement, product terms, and regulatory changes.
Please consult a qualified financial advisor or tax professional before making financial decisions.
Frequently asked questions
1. What is a SIP calculator?
A SIP calculator estimates the future value of monthly mutual fund investments based on expected annual return and investment duration.
2. Which formula is used for SIP calculation?
This page uses M = P * (((1 + i)^n - 1) / i) * (1 + i), where i is the effective monthly return rate derived from annual return.
3. Are SIP calculator results guaranteed?
No. Results are indicative estimates. Actual returns depend on fund performance, expense ratio, and market volatility.
4. Can I use this for any mutual fund category?
Yes. You can use it for equity, debt, or hybrid funds by entering a realistic expected return assumption.
5. Does SIP calculation include inflation impact?
No. This output is nominal future value. You should adjust separately for inflation to understand real purchasing power.
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