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.

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.

Monthly investment₹10,000

Expected annual return12%

Investment period15 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.