SIP Calculator
Estimate the future value of a monthly SIP. You enter the installment, the annual return, and the tenure. The math runs in your browser.
How it is calculated
FV = P × (((1 + i)^n − 1) / i) × (1 + i)
- i is the annual rate divided by 12 and then by 100. n is the number of months.
- The installment is added at the start of the month, then the balance grows. That is the usual Indian SIP convention.
- At 0% the result is just the installments added together.
This is a projection or a description of the numbers you type. It is not financial advice.
What this estimates
A systematic investment plan puts the same amount to work every month. This calculator projects that series if the annual rate you enter never changes.
It does not look up a mutual fund's NAV or past return. Two people using different rates will see different futures, which is the point of the tool.
Questions
Does this use a real mutual fund's return?
No. You type the annual rate. Ganana does not fetch scheme returns, and a preset is not offered here because a past return is not a promise.
Why might an AMC statement differ?
A fund house uses actual NAV dates, and may deduct exit load or tax. This page assumes the rate stays constant and ignores charges and tax.
Is the installment applied at the start or the end of the month?
At the start. The balance then grows for that month. A calculator that skips the extra month of growth will show a smaller total.
What happens if I enter 0%?
The projected value equals the money you put in. There is no gain and no loss.
Are the year-wise rows exact rupees?
The projection is rounded to the nearest rupee for display. The underlying balance keeps extra precision until that rounding.