What is it?
The SIP Calculator estimates what a monthly investment in a mutual fund could grow to, with Total invested, Estimated gains and Future value, year by year.
Who is it for?
First-time and regular mutual fund investors, parents saving for children, and anyone planning long-term wealth.
How to use it
Enter the Monthly investment, an Expected return (yearly %) and the number of Years. The answer appears as you type; there is no Calculate button. Pick your Currency at the top if asked, then tap Copy result or Share on WhatsApp.
Choosing an expected return
- Use conservative figures: for example 10–12% a year for diversified equity funds over 10+ years, 6–8% for debt funds. Past returns don’t guarantee the future.
- Try two or three rates to see a range rather than one number.
Why real results differ
- Returns from mutual funds are not guaranteed; the calculator assumes a steady yearly return, compounded monthly. Real markets go up and down, so the final value depends on the order of returns, especially near the end.
- Expense ratios, exit loads and capital-gains tax reduce what you keep.
- Missing SIP instalments lowers the result.
Tips
- Starting early matters more than the amount: 10 extra years can double the result.
- Increase your SIP every year as your income grows: see the Step-up SIP Calculator.
- Think in today’s money: ₹1 crore in 25 years will buy much less than today. The Inflation Calculator shows how much.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Errors and how to fix them
- Unrealistic results: check the return is a yearly % (12, not 0.12).
Open the tool: SIP Calculator
Still stuck?
Contact support. Tell us which tool or page you were using, what you tapped, what you saw, and your phone or computer and browser (for example: Android phone, Chrome). We reply by email.
Questions, or an error not listed here?
Tell us in the comments: what you were doing, the exact message you saw, and your device and browser. We read every comment and add new fixes to this article.