See how much your monthly SIP could grow into. Enter how much you invest each month, an expected yearly return, and how long you will invest. You will see the final value and how much of it is your own money.
Each monthly amount you invest is treated separately, and it grows for the rest of the time left.
A standard formula adds up all these separate amounts.
Your gain is simply the final value minus the total amount you actually invested.
Maturity value: M × ((1 + i)ⁿ − 1) ÷ i × (1 + i)
M: Monthly investment amount
i: Monthly return = annual return ÷ 12 ÷ 100
n: Total number of monthly instalments
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market and are not fixed. This calculator uses one steady rate to give you an estimate, but real markets go up and down. Treat this as an example, not a promise.
What return rate should I assume?
There is no fixed right answer, and nobody truly knows future returns. Many people use 10–12% for equity funds and a lower number for debt funds. Try a few different rates to see how much your result changes.
What is rupee cost averaging?
Because you invest the same amount every month, you buy more units when prices are low and fewer units when prices are high. Over time, this evens out your average buying cost.