SIP Calculator

Monthly investment₹

Expected return rate (p.a)%

Time periodYr

Invested

Est. returns

Invested amount₹30,00,000
Est. returns₹28,07,160
Total value₹58,07,160

What this calculator is telling you — in plain words

No jargon. Here's exactly what an SIP is and what each number on this page means.

?What is an SIP?

SIP stands for Systematic Investment Plan. Instead of investing a big lump sum once, you invest a small fixed amount every month into a mutual fund — like a recurring deposit, but in the market. It builds the habit of saving and smooths out the ups and downs of the market over time.

3The three things you enter

Monthly investmentThe amount you put in every single month. Even ₹500 works to start.

Expected return rateThe yearly growth you assume. Markets don't grow evenly — this is only an estimate, not a promise.

Time periodHow many years you keep investing. The longer you stay, the more compounding helps you.

=How the maths works (simply)

Every monthly amount you invest starts earning returns. Those returns then earn their own returns — this snowball effect is called compounding. The calculator adds up what each month's instalment grows into by the end, and shows you two numbers:

• Invested amount — the total money you actually put in (your monthly amount × number of months).
• Estimated returns — the extra your money earned on top, purely from growth and compounding.
• Total value — the two added together: what your SIP could be worth at the end.

For example: investing ₹25,000 every month for 10 years at an assumed 12% a year, you'd put in ₹30,00,000 of your own money — and it could grow to about ₹58 lakh. The extra ~₹28 lakh is what compounding did for you.

This calculator is for illustration only. The returns shown are based on the expected rate you enter and are not guaranteed — actual mutual fund returns vary with market performance. Mutual fund investments are subject to market risks; read all scheme related documents carefully before investing. Financially Free is an AMFI-registered Mutual Fund Distributor (ARN-350272). Have a question?