Estimate the future value of your monthly mutual fund SIP investments based on your contribution, expected annual return, and investment duration.
The SIP calculator uses the future value of a growing annuity formula, which is the standard formula used across the mutual fund industry to project SIP maturity values:
M = P × [(1 + i)n − 1] / i × (1 + i)
This formula assumes your SIP installment is invested at the start of each month and compounds monthly at the assumed rate of return. Actual mutual fund returns fluctuate with the market and are never guaranteed — use this calculator for planning and goal-setting, not as a promise of returns.
SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund scheme at regular intervals, usually monthly, instead of investing a lump sum at once.
SIP maturity value is calculated using the future value of a growing annuity formula, which accounts for compounding returns on each monthly installment over the investment period.
No. SIP returns depend on the performance of the underlying mutual fund and the market. The rate of return you enter in this calculator is an assumption for projection purposes, not a guaranteed outcome.
SIP allows rupee-cost averaging, meaning you buy more units when prices are low and fewer when prices are high, which can reduce the impact of market volatility over time. It also builds investing discipline.
Yes, this is called a "Step-up SIP." Many investors increase their SIP contribution annually in line with salary increments, which can significantly boost the final maturity amount compared to a flat SIP.
A Systematic Investment Plan (SIP) lets you invest a fixed sum into a mutual fund scheme at regular intervals, harnessing the power of compounding and rupee-cost averaging over time. Instead of trying to time the market with a lump sum, SIP investors build wealth gradually and consistently — making it one of the most popular ways to invest in equity and hybrid mutual funds in India.
This Hisaab.in SIP calculator helps you project how a fixed monthly investment could grow over time at a given expected rate of return. Adjust the monthly amount, expected return, and tenure to see how small changes — like starting 5 years earlier or increasing your monthly SIP by a small amount — affect your final maturity corpus.
Pair this calculator with our Goal Planning Calculator to work backward from a target amount, or our Lumpsum Calculator if you're investing a one-time amount instead.
