SIP Calculator — Mutual Fund Returns Estimator (2026)
Work out what a monthly SIP totals at an assumed constant return. Shows contribution and compounding separately — arithmetic, not a forecast.
SIP Calculator
Invested Amount
₹0
Estimated Returns
₹0
Total Value
₹0
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A constant return is an assumption, not a forecast
An SIP calculator mechanically applies a formula: feed in a monthly amount, a return rate and a time period, and it returns a final value. On paper that is neat. In reality markets move in fits — up months and down months — and the sequence matters. Two portfolios with an identical average return, arriving in a different order, do not end at the same place. This calculator assumes every single month delivers the same percentage gain. Nothing in the real world does that.
What the formula computes
Suppose you invest ₹5,000 every month for 10 years at an assumed 12% annual return. The calculator converts the annual rate to a monthly one — 12% / 12 = 1% per month — then applies the standard SIP formula:
Final Value = P × ((1 + i)^n − 1) / i × (1 + i)
where P is the monthly amount, i the monthly rate and n the number of months. For this example the result is roughly ₹11.6 lakh: about ₹6 lakh you actually put in, and the rest is what the formula produces on top. That is arithmetic, not a prediction — it is what you get if the rate never deviates from 1% a month, which it will.
What this tool skips
It does not account for inflation, so the final figure is in today's rupees rather than what they will buy in ten years. It ignores tax on gains, exit loads, and fund expense ratios. It does not model volatility — the periods where a fund falls and later recovers. It assumes one constant rate throughout, which is mathematically clean and practically unrealistic. Those omissions do not make the tool useless; they make it a mechanical calculator rather than a plan.
When the output actually means something
Use it to compare scenarios. If you double the monthly amount, how does the total change? If you add five years, how much of the difference is contribution and how much is compounding? Those relative comparisons hold regardless of whether the rate assumption is right, because the same assumption applies to both sides. What the output cannot tell you is what you will actually have. For the same compounding maths on a lump sum, see the Compound Interest Calculator.
How to use the SIP Calculator
Takes about a minute. No signup, no download, your data stays in your browser.
- 1Open the tool. Scroll up to the SIP Calculator above — it loads instantly in your browser, no install needed.
- 2Enter your values. The fields come pre-filled with realistic defaults so you can see how it works — replace them with your own numbers.
- 3Read the result. The output updates instantly. Copy or share it — nothing is uploaded to a server, everything stays on your device.
Frequently asked questions
Common questions about the SIP Calculator.
Will I actually get the amount this calculator shows?
No. The calculator assumes a constant monthly return, which markets never deliver. Real returns arrive in volatile sequences and the order changes the outcome. Treat the number as what the formula produces under a fixed assumption, and use it for relative comparisons rather than planning around a specific figure.
Where does the default return rate come from?
It is just a starting value in the input box, not a recommendation or a projection. Replace it with whatever rate you want to test. No rate is correct — the point of the field is that you can change it and see how sensitive the result is to an assumption you chose.
What does the calculator ignore that I should know about?
Inflation, tax on gains, exit loads and fund expenses are all excluded, as is market volatility. Each of those moves the real outcome away from the formula's answer, and together they can move it substantially. The calculator is a formula engine, not a financial plan.
Why does it show estimated returns separately from invested amount?
So you can see how much of the total is money you contributed and how much the compounding assumption added. That split makes the effect of time visible: extending the period usually grows the second number far faster than the first. It remains formula output, not a promise.
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