SIP Calculator
Mutual fund SIP returns: what a monthly investment can grow to at your expected return, with amount invested and gains.
How to use the SIP calculator
- Enter monthly SIP, expected return and period.
- Read the future value at the top of the result, with amount invested, estimated gains underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
Assumes the SIP is invested at the start of each month and returns compound monthly at a steady rate. Real fund returns vary year to year, so treat the result as a range, not a promise.
Formula: FV = P × ((1+i)^n − 1) ÷ i × (1+i), i = annual rate ÷ 12
Worked example
With monthly sip of ₹10,000, expected return of 12% and period of 15 years:
| Future value | ₹50,45,760 |
| Amount invested | ₹18,00,000 |
| Estimated gains | ₹32,45,760 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
How is SIP return calculated?
Each monthly instalment compounds from the month it is invested. The calculator adds the future value of every instalment using the standard annuity-due formula.
Are SIP returns guaranteed?
No. Mutual fund returns depend on markets. The calculator shows what a steady return would produce, not what you will get.