Calculate maturity value of monthly SIP investments with bar and pie charts. Free, accurate.
This SIP calculator illustrates regular monthly contributions under a constant assumed return. It assumes you invest at the beginning of each month and converts the annual percentage entered into a monthly rate by dividing by 12. It does not predict the performance of a mutual fund.
The annual rate here is a nominal input, not an effective annual growth rate. For example, a 12% input means 1% per month, equivalent to about 12.68% compounded over a year. Contributions at the end of each month would produce a different result.
Actual investments can lose value. Fees, tax, inflation and changing market returns are excluded. This tool accepts non-negative return scenarios only; it cannot model losses or the sequence of real market returns. At zero return, the projected balance is simply the sum of contributions.
M = P \times \frac{(1+i)^n - 1}{i} \times (1+i)
Inputs: Monthly SIP: ₹5,000 · Expected annual return: 12% · Duration: 10 years
No. The monthly amount is an input for exploring scenarios, not a recommendation based on your income or circumstances.
No. It is a constant mathematical assumption. Compare several inputs and remember that real investments can lose money; this calculator does not model losses.
The final balance equals monthly contribution multiplied by the number of months. For example, 5,000 per month for 120 months totals 600,000, before any fees or taxes.
No. The result is a nominal illustration before these costs. It is not an estimate of after-tax income or future purchasing power.
The displayed formula assumes beginning-of-month contributions. For end-of-month contributions, remove the final (1+i) factor. At a zero rate, both timings give the same total.
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