How is SIP maturity calculated?

Each monthly instalment is compounded from its own date to maturity, then summed. The calculator uses the future-value-of-an-annuity formula with a monthly rate, so earlier instalments earn more than later ones.

Is a 12% SIP return realistic?

12% is a common long-run assumption for Indian equity mutual funds, but returns are not guaranteed and vary year to year. Use 10-12% for equity and 6-8% for debt as a planning range, and remember past performance doesn't predict the future.

Does the SIP calculator account for tax?

No. It shows the pre-tax corpus. Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% LTCG (if held over a year); factor that in when planning withdrawals.

SIP Calculator

A SIP (Systematic Investment Plan) calculator projects the maturity value of a fixed monthly mutual-fund investment. Enter your monthly amount, expected annual return and duration; it compounds each instalment to the end date and shows your total invested, estimated gains and final corpus.

Monthly investment

₹

Expected return (p.a.)

Time period

yrs

Total value

—

How is SIP calculated?

M = P × ({(1 + i)^n − 1} / i) × (1 + i), where P is the monthly investment, i is the monthly rate (annual ÷ 12 ÷ 100) and n is the number of instalments.

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Frequently asked questions

How is SIP maturity calculated?: Each monthly instalment is compounded from its own date to maturity, then summed. The calculator uses the future-value-of-an-annuity formula with a monthly rate, so earlier instalments earn more than later ones.
Is a 12% SIP return realistic?: 12% is a common long-run assumption for Indian equity mutual funds, but returns are not guaranteed and vary year to year. Use 10-12% for equity and 6-8% for debt as a planning range, and remember past performance doesn't predict the future.
Does the SIP calculator account for tax?: No. It shows the pre-tax corpus. Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% LTCG (if held over a year); factor that in when planning withdrawals.