Are returns guaranteed?

No. SIPs in market-linked funds carry risk; the ‘expected return’ is an assumption, not a promise.

What formula does the SIP Calculator use?

It calculates using FV = P · [((1+i)^n − 1) / i] · (1+i), i = annual rate / 12. The guide above walks through what each part means with a worked example.

How accurate is the SIP Calculator?

It uses standard, widely-accepted financial formulas, so the math is exact for the figures you enter. Real-world numbers can differ once lenders, taxes, fees and rounding are applied, so treat the result as a close estimate rather than a formal quote.

Does the SIP Calculator include taxes and fees?

It includes only the fields shown on the form. Where inputs for extra costs (fees, taxes, insurance) are available, add them for a fuller picture — a real quote may still vary by provider.

Is this calculator free to use?

Yes — every GKCalculators calculator is 100% free with no sign-up required. Create a free account only if you want to save your calculation history across devices.

All calculations run instantly in your browser. Nothing is sent anywhere unless you tap ‘Explain my results’ (AI) or ‘Save’ while signed in.

Can I share my result?

Yes. Tap Share and we copy a link with your exact inputs baked in, so anyone who opens it sees the same result.

SIP Calculator

Future value of a monthly systematic investment plan with a growth breakdown.

Compare

Currency

Monthly investment

Expected return %

Years

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Maturity value in 10 years

₹1,161,695

₹561,695 estimated returns on ₹600,000 invested

Invested

₹600,000

Est. returns

₹561,695

Value vs invested

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How the SIP Calculator works

The SIP Calculator computes the future value of a Systematic Investment Plan — showing exactly how much your monthly mutual fund contributions will grow over time at a given expected return rate. It's built for Indian investors and anyone practicing disciplined monthly investing who wants a clear, growth-breakdown view of their wealth-building journey.

A SIP invests a fixed amount every month; each instalment compounds until maturity.

The result splits your total invested from estimated returns so you can see growth at a glance.

Formula

FV = P · [((1+i)^n − 1) / i] · (1+i),  i = annual rate / 12

Pro tips

Step-up your SIP amount yearly to keep pace with income and inflation.

Key terms

SIP (Systematic Investment Plan): — A method of investing a fixed sum regularly — typically monthly — into a mutual fund scheme, enabling disciplined, automated wealth accumulation.
Future Value (FV): — The projected total corpus — including both your invested principal and all compounded returns — at the end of your investment tenure.
CAGR (Compound Annual Growth Rate): — The annualized rate at which an investment grows, accounting for compounding, used as the expected return input in SIP projections.
Rupee-Cost Averaging: — The automatic benefit of buying more mutual fund units when prices are low and fewer when prices are high, reducing the average cost per unit over time.
Investment Tenure: — The total duration in months or years over which SIP contributions are made, which has an exponential — not linear — effect on the final corpus.
Step-Up SIP: — A strategy where the monthly SIP amount is increased by a fixed percentage each year, aligning investment growth with income growth for a significantly larger final corpus.