Investment Calculators
SIP Calculator
Estimate how a disciplined monthly investment could grow over time, and see the split between what you invest and what the market compounds for you.
Your SIP details
Future Value
₹0After 15 years of investing
Total Investment
₹0Estimated Returns
₹0Growth over time
How your invested amount compares to the projected value each year
How the SIP calculator works
A Systematic Investment Plan (SIP) lets you invest a fixed amount into a mutual fund at regular intervals — typically monthly — rather than as a single lump sum. This calculator projects the future value of that habit using compound growth, assuming your chosen rate of return holds steady across the full investment period.
The formula
Future value is calculated using the standard ordinary-annuity formula for a monthly SIP, compounded monthly at your expected annual rate of return. Each month's contribution earns returns for the remaining duration of the investment, which is why the growth curve steepens in later years — the earlier contributions have had the most time to compound.
What the expected return should reflect
The expected return is an assumption, not a guarantee. Equity mutual funds have historically delivered returns in a wide range depending on the market cycle and fund category; this calculator does not predict actual fund performance. Use a conservative estimate if you're planning around this number, and revisit your plan periodically as markets and your goals change.
Frequently asked questions
A SIP calculator estimates the future value of a recurring mutual fund investment based on your monthly contribution, an assumed annual rate of return, and the investment duration. It shows how much of the final amount is your own capital versus market-driven growth.
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Ready to put this SIP plan into action?
A Premier Capital advisor can help you choose the right funds, structure a step-up SIP, and align this plan with your broader portfolio.
