SIP Calculator
Estimate the maturity value of a monthly SIP (Systematic Investment Plan) from your monthly amount, expected annual return, and how long you invest.
Estimated maturity value
₹50.5 L
Invested ₹18,00,000 + gains ₹32,45,760
Breakdown
Illustrative projection only, not financial advice. Market-linked returns are not guaranteed and can be lower or higher.
How it's calculated
- 1Each monthly instalment is invested and compounds until the end of the period.
- 2The expected annual return is converted to a monthly rate to grow every instalment.
- 3The maturity value is the future value of all instalments; total gains are that value minus what you invested.
- 4Returns are assumed, not guaranteed, so try a few rates to see a realistic range.
Why use this
- See how small, regular investing adds up over time.
- Compare durations and return assumptions side by side.
- Set a monthly amount that matches a client's goal.
- Download a branded PDF of the projection.
Frequently asked questions
How is SIP maturity value calculated?+
Each monthly instalment earns compounding returns from the month it is invested until the end of the period. The maturity value is the sum of the future values of all instalments. This calculator uses the standard SIP future value formula with your expected annual return converted to a monthly rate.
Are SIP returns guaranteed?+
No. Market-linked investments do not offer guaranteed returns. The expected return you enter is an assumption for planning, not a promise. Try a conservative and an optimistic rate to see the likely range.
What return rate should I assume?+
There is no correct figure. Many people model equity-oriented investments in a broad long-term range and debt-oriented ones lower, but past performance does not predict the future. Use a rate you can justify and stay conservative.
Is a SIP the same as insurance?+
No. A SIP is a way to invest regularly, usually in mutual funds. Insurance is protection against risk. Products like ULIPs combine both, but it is often clearer to keep protection and investment separate. See the guides for a detailed comparison.
Is this financial advice?+
No. It is an illustrative projection for planning discussions. Decisions should be made with a licensed advisor after considering your goals and risk profile.
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