SIP Returns Calculator
Calculate the future value, total investment, and total returns from a monthly SIP.
- Free to use
- Accurate results
- No registration required
- Works on all devices
Enter your monthly SIP amount, expected return, and duration to calculate future value and total returns.
₹
%
years
Your result
₹99,91,479.19
Future value
Total invested₹24,00,000
Total returns₹75,91,479.19
AI explanation
Formula
FV = P × [((1+i)^n − 1) / i] × (1+i), i = monthly rate, n = number of months (annuity-due)Worked example
₹10,000/month, 12% return, 20 years
| Field | Value |
|---|---|
| Monthly investment | 10000 |
| Expected annual return | 12 |
| Duration | 20 |
| Future value | 9991479.19 |
| Total invested | 2400000 |
| Total returns | 7591479.19 |
Assumptions
- Uses the annuity-due convention (investment at the start of each month), standard for Indian SIP calculators.
- Assumes a constant expected annual return throughout — actual mutual fund returns vary year to year.
- Informational only.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan lets you invest a fixed amount in a mutual fund at regular intervals (typically monthly), building wealth gradually and benefiting from rupee-cost averaging.
How is this different from the SIP Calculator?
It's the same underlying formula — this page exists as a differently-named entry point for the same calculation.
Are SIP returns guaranteed?
No — mutual fund returns depend on market performance and are never guaranteed. This calculator uses your assumed rate as an illustration, not a promise.
Related calculators
Sources
- Mutual Fund Systematic Investment Plans — Securities and Exchange Board of India (SEBI). Effective 01-01-2020, reviewed 13-09-2026.
This calculator provides a general estimate only and does not constitute investment advice. Mutual fund investments are subject to market risk.
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