toolcubbySIP Calculator
Estimate the future value of a monthly Systematic Investment Plan with monthly compounding.
How to use
- Enter the amount you invest every month.
- Set an assumed annual return percentage.
- Enter the number of years, then click Calculate SIP to see total invested, estimated returns and maturity value.
How SIP future value is calculated
FV = P × (((1+i)^n − 1) / i) × (1+i) i = annual return ÷ 12, n = years × 12
Each monthly instalment is assumed to be invested at the start of the month (annuity due), so your money begins compounding immediately.
FAQ
What is a SIP?
A Systematic Investment Plan invests a fixed amount in a mutual fund every month, and the returns compound over the investment period.
How is the future value calculated?
FV = P × (((1+i)^n − 1) / i) × (1+i), with monthly compounding. A ₹5,000 monthly SIP at 12% for 10 years matures to roughly ₹11.6 lakh.
Are returns guaranteed?
No. The return you enter is an assumption. Market-linked investments fluctuate; this is a planning tool, not a promise or financial advice.