SIP Calculator

What is the SIP Calculator?

The estimated gain is the projected value above your contributions. Because compounding works over time, the investment period can be as important as the monthly contribution.

How the calculation works

The calculator uses the future-value formula for regular monthly contributions with an assumed monthly return. The result depends heavily on the assumed rate and investment period.

Worked example

If you invest ₹5,000 each month for 10 years and assume a 12% annual return, the calculator projects a future value from 120 monthly contributions. The actual market return may be higher or lower.

How to use this calculator

1. Enter the values that apply to your situation.
2. Check the rate, period and other assumptions before calculating.
3. Click Calculate and review each part of the result, not only the headline number.
4. Change one input at a time if you want to compare different scenarios.

How to interpret the result

The estimated gain is the projected value above your contributions. Because compounding works over time, the investment period can be as important as the monthly contribution. Use the result as a planning estimate and compare it with the terms, rates or rules that actually apply to you.

Practical tips

• Use a conservative return assumption when planning important goals.
• Increase contributions gradually if your income rises.
• Compare the projected value with the amount you actually contribute.
• Review goals periodically rather than assuming a fixed return.

Important limitations

• Returns are not guaranteed.
• Taxes, fund expenses and investment-specific costs are not modeled.
• The assumed return may not match actual market performance.
• This is an educational projection, not investment advice.

Frequently Asked Questions

Last reviewed: August 2026. Rate-sensitive rules and institutional terms can change; verify current information before making an important decision.