SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Use this calculator to estimate what your SIP could be worth after a few years of compounding.
Total value
₹11,61,695
- Invested amount
- ₹6,00,000
- Est. returns
- ₹5,61,695
Results are illustrative and assume a constant rate of return. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
Not sure which fund to SIP into?
Bachatt Saathi scores every mutual fund on 100+ parameters and shows you where your money can work harder.
How to use the SIP Calculator
- 1Enter how much you plan to invest every month.
- 2Set the annual return you expect from the fund.
- 3Choose how many years you will keep investing.
Formula
M = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
- M = maturity value
- P = monthly SIP amount
- i = monthly rate of return (annual rate ÷ 12)
- n = number of monthly instalments
Frequently asked questions
What is a SIP calculator?+
A SIP calculator estimates the future value of regular monthly investments in a mutual fund, based on the amount, the expected annual return and the time period.
Are SIP calculator returns guaranteed?+
No. Mutual fund returns depend on the market. The calculator assumes a constant return to show what compounding can do; actual returns will vary.
What is the minimum amount to start a SIP?+
Many mutual funds accept SIPs from ₹100 a month. On Bachatt you can start a SIP in mutual funds from every fund house.
Should I choose SIP or lumpsum?+
A SIP spreads your investment over time and suits monthly income. A lumpsum puts money to work at once and suits a large amount you already have. Many investors use both.