SIP Calculator
Estimate the maturity value of a monthly Systematic Investment Plan (SIP), see how much of your final corpus is money you invested versus returns you earned, and compare estimated corpus across a few standard monthly amounts and durations — based on the standard future-value-of-annuity formula with monthly compounding.
How is SIP maturity value calculated?
Each monthly investment is assumed to compound at your expected annual return (converted to a monthly rate) for the remaining months until the end of your investment horizon, using the standard future-value-of-annuity formula. Whether each month's investment is treated as made at the beginning or end of the month is controlled by the “Investment Timing” option — beginning-of-period investments compound for one extra month each, producing a slightly higher corpus.
This calculator does not account for mutual fund selection, expense ratios, exit load, taxation (STCG/LTCG), or inflation — it estimates a nominal maturity value assuming a constant expected annual return, not a simulation of real market volatility.