What is SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount each month into a mutual fund. Because contributions are spread over time, you benefit from rupee-cost averaging — buying more units when prices dip — and long-term compounding.
Formula
Future value with monthly contributions at the start of each period:
FV = P × [(1 + i)^n − 1] / i × (1 + i) P = monthly investment i = monthly rate (annual ÷ 12 ÷ 100) n = total months
How to use this calculator
Enter your monthly SIP amount, an expected annual return (equity mutual funds in India have historically delivered 10–14% long-term), and the number of years you'll invest. Returns are not guaranteed — treat the maturity value as a projection, not a promise.