SIP Calculator

Estimate SIP or Lumpsum Investment Growth

This SIP calculator estimates how a monthly investment or one-time lumpsum could grow at a constant assumed annual return. It separates the amount invested from estimated gains and shows the projected corpus. The result is a mathematical illustration, not a guaranteed mutual fund return.

Choose the Investment Method

• Monthly SIP: enter a regular monthly contribution.
• Lumpsum: enter one initial investment.
• Expected annual return: a constant assumption used throughout the calculation.
• Time period: select years or months; the calculator converts the period to months.

SIP Formula and Method

For a monthly SIP, the calculator uses an annuity-due future-value method:

Future value = M x (((1 + r)ⁿ – 1) / r) x (1 + r)

• M is the monthly investment.
• r is the assumed annual return / 12 / 100.
• n is the number of monthly contributions.

The extra (1 + r) means the model treats each monthly contribution as being made at the beginning of the period. Lumpsum mode compounds the one-time amount monthly at the same assumed annual rate.

Worked SIP Example

For a monthly SIP of INR 10,000, an assumed 12% annual return, and 10 years, the calculator projects approximately:

• Total invested: INR 1,200,000
• Estimated gains: INR 1,123,390.76
• Estimated corpus: INR 2,323,390.76

How to Interpret the Result

The estimated corpus equals contributions plus projected gains. The displayed annualized return is the rate you entered, not a measured or guaranteed return. Compare several reasonable return assumptions to understand how sensitive the projection is.

Assumptions and Limitations

The model assumes a constant return compounded monthly and uninterrupted contributions. Real investments fluctuate and may include fund expenses, taxes, exit loads, missed instalments, timing differences, and inflation. The calculator does not model step-up SIPs, irregular contributions, or market volatility.

This is general planning information, not investment advice or a promise of returns. Review product documents and consider qualified advice before investing.

Common SIP Mistakes

• Treating an assumed return as guaranteed.
• Confusing estimated gains with the full corpus.
• Selecting months when the intended period is years.
• Ignoring fees, taxes, inflation, and changes in contribution timing.

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