SIP calculator
See how a fixed monthly investment could grow when returns compound every month.
Your result
- Total invested
- ₹6,00,000
- Estimated gains
- ₹5,61,695
- Estimated value
- ₹11,61,695
Year-by-year
| Year | Invested | Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
How this is calculated
Each monthly instalment is assumed to be invested at the start of the month. The annual return is converted to a monthly rate as i = annual rate ÷ 12.
Value = P × [((1 + i)n − 1) ÷ i] × (1 + i)
where P is the monthly instalment and n the number of months. Invested = P × n; gains = value − invested.
Questions
What return should I assume for a SIP?
There is no guaranteed return for market-linked funds. Many people test a few scenarios — for example 8%, 10% and 12% for equity funds over long periods — and plan around the lower figure. Past returns of any fund do not predict future returns.
Why does the result differ slightly from other SIP calculators?
Calculators differ in when the instalment is assumed to be invested (start or end of month) and how the annual rate is converted to a monthly rate. FID assumes the instalment is invested at the start of each month and uses the annual rate divided by 12. The methodology page shows the exact formula.
Does this include tax or exit load?
No. The estimate is before capital-gains tax, exit loads and expense ratios already reflected in the fund's NAV. Treat it as a gross projection.
Estimates for educational purposes only. Not financial, tax or investment advice.