SIP Calculator

Systematic Investment Plan returns.

A SIP here is a fixed monthly amount invested at a constant monthly rate. Future value uses the annuity formula with the contribution at the end of each month.

Invested is monthly × months. Estimated returns are future value minus invested. Real markets are not a constant 12 percent. Treat the output as a scale, not a promise.

Worked example: ₹5,000 a month for 15 years at 12% a year. Monthly rate is 1%. Months are 180. Invested is ₹9,00,000. The future value in this model is a good bit higher. That gap is the assumed return, not a guarantee from any fund house.

Expense ratios, exit loads, and tax on gains are outside the box. If you need the rupee on a statement, use the fund’s own calculator after you pick a scheme.