How the SIP Calculator works
A SIP (Systematic Investment Plan) invests a fixed amount every month. Each instalment grows for the months left in the period. The calculator uses the standard formula FV = P × [((1 + i)ⁿ − 1) / i] × (1 + i), where P is the monthly amount, i is the monthly return (yearly return ÷ 12) and n is the number of months.
Questions people ask
Is the SIP return guaranteed?
No. Mutual fund returns depend on the market. The calculator shows what your money becomes if the fund earns the return you enter every year, which real funds never do exactly.
What return should I enter?
Many people use 10–12% for long-term equity funds and 6–7% for debt funds as planning figures. Check the fund's own long-term history before investing.
Does this include tax?
No. Capital gains tax on redemption is not included.
Results are estimates for planning only, not advice or a promise of returns.