SIP Calculator – Plan Your Mutual Fund Investments
Estimate the future value of your monthly SIP investments based on expected annual returns and tenure.
Future Value
₹ 11,61,695.38
Total Invested
₹ 6,00,000
Total Returns
₹ 5,61,695.38
Investment Breakdown
View
Principal vs Interest
- Principal₹ 6,00,000
- Interest₹ 5,61,695.38
- 48.4% of total payment is interest · 51.6% principal
- Total payment: ₹ 11,61,695.38
Investment Schedule
Year 1
| Month | Contribution | Returns | Balance |
|---|---|---|---|
| 1 | ₹ 5,000 | ₹ 50 | ₹ 5,050 |
| 2 | ₹ 5,000 | ₹ 100.5 | ₹ 10,150.5 |
| 3 | ₹ 5,000 | ₹ 151.5 | ₹ 15,302 |
| 4 | ₹ 5,000 | ₹ 203.02 | ₹ 20,505.02 |
| 5 | ₹ 5,000 | ₹ 255.05 | ₹ 25,760.07 |
| 6 | ₹ 5,000 | ₹ 307.6 | ₹ 31,067.67 |
| 7 | ₹ 5,000 | ₹ 360.68 | ₹ 36,428.35 |
| 8 | ₹ 5,000 | ₹ 414.28 | ₹ 41,842.63 |
| 9 | ₹ 5,000 | ₹ 468.43 | ₹ 47,311.06 |
| 10 | ₹ 5,000 | ₹ 523.11 | ₹ 52,834.17 |
| 11 | ₹ 5,000 | ₹ 578.34 | ₹ 58,412.51 |
| 12 | ₹ 5,000 | ₹ 634.13 | ₹ 64,046.64 |
Frequently Asked Questions
How does the SIP calculator work?↓
It calculates the future value of your monthly investments based on an expected annual return rate and the duration of your investment.
Is the SIP return guaranteed?↓
No, mutual fund investments are subject to market risks. This tool provides an estimate based on your projected growth rate.
Can I calculate Step-up SIPs?↓
This version focuses on fixed monthly installments. We recommend using a conservative average return for more realistic long-term planning.
Why is a SIP better than a lumpsum?↓
SIPs allow for rupee cost averaging and disciplined investing, which can reduce the impact of market volatility over time.
Is my investment planning data secure?↓
Yes, all calculation inputs stay on your device. We do not track your financial goals or investment amounts.