SIP details
Estimated maturity
Mutual fund SIP returns estimator
Plan systematic investment with this free SIP calculator. Enter monthly contribution, expected annual return, and duration to see estimated maturity, amount invested, and gains. Add an optional lumpsum for a combined projection.
Compare loan costs with the EMI calculator, or use everyday calculators for other quick math.
Frequently asked questions
How is SIP maturity estimated?
We use the future value of an annuity due: M = P × (((1+i)^n − 1) / i) × (1+i), where i is the monthly expected return and n is months.
Is this investment advice?
No. These are estimates only. Markets fluctuate; funds charge fees; tax rules differ. Consult a qualified advisor for decisions.
What about lumpsum?
Optional lumpsum is compounded for the same period at the same expected monthly rate and added to SIP maturity.
Why expected return %?
Mutual fund returns are not guaranteed. Enter a hypothetical annual rate to model scenarios (for example 10–12%).
Does this include expense ratios or tax?
No. The estimate ignores taxes, exit loads, and fund expenses.