ToolFoxSIP Calculator
Estimate the future value of a monthly SIP in mutual funds, with invested amount and gains.
- Future value
- ₹23,23,391
- Amount invested
- ₹12,00,000
- Estimated gains
- ₹11,23,391
How it works
A SIP invests a fixed amount every month. Assuming a constant monthly return i (annual return ÷ 12), the future value after n months is FV = A × [((1+i)^n − 1) ÷ i] × (1+i) — the standard annuity-due formula, since each instalment compounds from the month it is invested. Actual mutual-fund returns vary; the result is an estimate, not a guarantee.
Example
Investing ₹10,000 every month for 10 years at an assumed 12% annual return grows to about ₹23,23,391 — ₹12,00,000 invested and roughly ₹11,23,391 in gains.
Frequently asked questions
Is the return guaranteed?
No. Mutual-fund returns fluctuate; the calculator projects a constant assumed rate for planning purposes.
What return should I assume?
Long-run Indian equity index returns have historically been around 11–13% per year; debt funds are lower. Use a conservative figure.
Does it include expense ratio and tax?
No — returns are pre-tax and net-of-nothing. Capital-gains tax applies on redemption.
What if I increase my SIP yearly?
This calculator models a fixed SIP. A step-up SIP grows the instalment annually and ends higher.
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