Estimate how much your monthly SIP (Systematic Investment Plan) could grow to, assuming a fixed annual rate of return.
A SIP (Systematic Investment Plan) invests a fixed amount every month into a mutual fund. Because each instalment is invested at a different time, it benefits from rupee-cost averaging — you buy more units when prices are low and fewer when prices are high, smoothing out market volatility over time.
This calculator assumes a constant annual return for simplicity, compounded monthly. Real mutual fund returns fluctuate year to year — the actual value of your SIP could be higher or lower than this estimate depending on market performance, especially over shorter durations.
No — mutual fund returns are market-linked and not guaranteed. This calculator uses a constant assumed rate to illustrate the power of compounding, not a promised outcome.
Marginally — this calculator assumes each instalment compounds for a full period. In practice, the exact date you invest each month has a very small effect on the final value.
Long-term equity mutual fund category averages have historically been in the 10-14% range, though this varies significantly by fund and time period, and past returns don't guarantee future performance.