SIP Calculator
Estimate your SIP returns
See how a monthly SIP could grow over time. Adjust the amount, expected return, and tenure — the estimate updates instantly. Free, no login.
₹10,000
12%
15 yrs
Expected maturity value
₹50,45,760
- Invested amount
- ₹18,00,000
- Est. returns
- ₹32,45,760
Step 1
Set your inputs
Monthly amount, expected annual return, and how many years you'll invest.
Step 2
We compound monthly
Standard SIP future-value math, invested at the start of each month.
Step 3
See invested vs. returns
Maturity value split into what you put in and what compounding added.
FAQ
- How is SIP maturity value calculated?
- This calculator uses the standard SIP future-value formula assuming a fixed monthly investment compounded at your expected annual return, invested at the start of each month. FV = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly amount, i is the monthly rate, and n is the number of months.
- What return rate should I assume?
- Equity mutual funds in India have historically delivered roughly 10-14% CAGR over long periods (10+ years), though past performance never guarantees future returns. Debt and hybrid funds typically assume lower rates. Use a conservative estimate — this tool is for planning, not a promise of returns.
- Is this the same as my actual fund's returns?
- No — this is a projection based on a constant assumed rate. Real fund returns vary month to month. Once you've picked a fund, check its actual NAV history and expense ratio on its WhoHolds fund page for a fuller picture.
- Is this investment advice?
- No. This is an educational calculator based on public compounding math, not a recommendation to invest in any specific fund. WhoHolds is not a SEBI-registered investment adviser.