Calculator
SIP future value
A systematic investment plan here means a fixed rupee amount invested at the start of each month. You type the amount, how many years, and the annual return you want to assume. The tool does not know what a fund will earn.
What the number is
Each monthly amount is assumed to earn the monthly equivalent of the annual rate you typed, compounded for the months left. Money you already hold is grown for the whole period. The total you put in is shown beside the estimate so the gap is visible.
A zero return simply adds the contributions. A negative return is allowed, because a fund can fall. A return of −100% or worse is rejected because the monthly rate stops making sense.
What it is not
It is not a mutual-fund factsheet and it does not fetch a NAV. Loads, management fees, and a missed month are not inside the formula unless you have already folded them into the return you typed. Past performance of a fund is not this page’s input.
Use it to see how sensitive a plan is to the rate. Run it twice, with a modest rate and a poor one, before you treat either figure as a goal.
Common questions
Does this guarantee the return?
No. The percentage is yours. The tool only compounds it.
When is the money assumed to be invested?
At the start of each month, so the first contribution has the whole month’s assumed growth.
Can I track a real SIP in the app?
Yes. Record each subscription from the fund statement in a fund portfolio. This page does not write to that ledger.