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SIP calculator
Estimate what a monthly SIP (systematic investment plan) could be worth after a number of years at a return you assume.
Result
- Estimated value
- …
- Amount invested
- …
- Estimated gain
- …
InvestedGain
An estimate for planning, not financial or tax advice. Figures are rounded.
How it works
A SIP invests the same amount every month. Each instalment then compounds for the months that remain.
Value = P × ((1 + i)n − 1) ÷ i × (1 + i)
P is the monthly amount, i the monthly rate (expected annual return ÷ 12 ÷ 100) and n the number of months; the last factor assumes each instalment is invested at the start of the month. Mutual fund returns are not guaranteed: use a range of returns, not a single number.
Questions readers ask
Are SIP returns guaranteed?
No. Mutual fund returns depend on markets. A calculator shows what an assumed constant return would produce; actual returns vary year to year and can be negative.
What return should I assume?
Use a conservative figure and compare a few. Past returns of a category are not a promise of future returns.
Are SIP gains taxed?
Yes, as capital gains when you redeem. Equity-fund units held for more than 12 months are taxed as long-term gains, at a lower rate and with a yearly exemption; units held for shorter periods are taxed as short-term gains. Check the rates for the year in which you sell.