Calculate Systematic Investment Plan (SIP) returns and plan your financial goals.
Disclaimer: Mutual Fund investments are subject to market risk. Past returns do not guarantee future results. Please consult a certified financial advisor before investing. Shronix Technology is not liable for any financial loss.
A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund every month. Unlike an FD, returns are market-linked and not guaranteed — but over long periods, equity funds have historically delivered higher returns than traditional savings. SIPs also smooth out market ups and downs through rupee-cost averaging: you buy more units when prices are low and fewer when they are high.
This SIP calculator estimates your corpus using the future-value-of-a-series formula: FV = P × [((1+i)^n − 1) ÷ i] × (1+i), where P is your monthly investment, i is the monthly return, and n is the number of months. Enter your monthly amount, an expected annual return and the duration to see your projected maturity value and total gains.
For example, ₹10,000 a month for 15 years at an assumed 12% annual return could grow to roughly ₹50 lakh, of which about ₹32 lakh is potential gains on ₹18 lakh invested. The power of SIPs comes from compounding over time — the longer you stay invested, the more dramatic the growth.
No. SIPs invest in market-linked mutual funds, so returns vary. Historically, equity funds have done well over 7+ year horizons.
Yes, SIPs are flexible — you can pause, stop or change the amount without penalty.