SIP Calculator
Updated 20 August 2026
Estimate the maturity value of a Systematic Investment Plan — a fixed sum invested every month — compounding at your expected annual rate of return.
Open the Live SIP Calculator →Frequently asked questions
What is a SIP calculator?
A SIP, or Systematic Investment Plan, calculator estimates the future value of a fixed sum invested every month into a mutual fund, based on an assumed rate of return and the investment duration. It helps you see how disciplined monthly investing compounds over time.
What is the SIP maturity formula?
The formula is FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly instalment, i is the monthly rate of return, and n is the total number of instalments. This accounts for each instalment compounding for a different length of time.
Why does the last instalment earn less than the first?
Because each SIP payment starts compounding only from the month it is invested, the very first instalment enjoys the full duration of growth while the final instalment barely has any time to compound. The total maturity value is the sum of all these differently-aged contributions.
What monthly return rate should I assume for equity SIPs?
Many long-term investors model equity SIPs at 10–12% annually as a planning assumption, translating to roughly 0.8–1% monthly, though this is illustrative and not a promised or guaranteed outcome. Actual monthly returns will vary significantly and can even be negative in some months.