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A SIP (Systematic Investment Plan) is India's standard way to invest regularly in mutual funds: the same fixed amount goes into the fund every month, regardless of the current price - so you automatically buy more units when prices are low and fewer when they are high (rupee-cost averaging). Over many years, compounding also kicks in: returns already earned go on to earn further returns.
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded or stored. It uses the standard SIP future-value formula for an annuity due (each instalment deposited at the start of the month): M = P x (((1+i)^n - 1) / i) x (1+i), with i the monthly return and n the number of months. Change the amount, expected return or investment period and the maturity value, total contributions, estimated returns and the growth chart update instantly.
An honest note: this is a model-based projection for a GIVEN, constant assumed annual return - not investment advice and not a return guarantee. Mutual funds are subject to market fluctuations; the actual return may be higher, lower or negative. Fund costs (expense ratio, exit load) and capital-gains tax are not modelled.
Specifications
Specifications
Input formats
Form inputs (no file)
Processing
Locally in your browser (JavaScript)
File upload
None
In 3 steps
Enter the monthly SIP amount, expected annual return and investment period.
The calculation runs automatically, locally in the browser.
Read off the projected maturity value, total contributions and estimated returns.
Limitations: A model-based projection using the standard SIP formula (annuity due) for a GIVEN, constant assumed annual return - not investment advice, no return guarantee. Fund costs (expense ratio, exit load) and capital-gains tax are not modelled. Mutual funds are subject to market fluctuations; the real return may differ.
FAQ
Is my SIP amount uploaded?
No. The calculation runs entirely locally in your browser (pure JavaScript); nothing is sent or stored.
Is the assumed return guaranteed?
No. It is an assumption you choose yourself. Mutual funds are subject to market fluctuations - the real return can be higher, lower or negative.
What is rupee-cost averaging?
Because the same amount is invested every month, you automatically buy more fund units when the price is low and fewer when it is high - this smooths out the average entry price over time.
Are fund costs and taxes included?
No, deliberately not - the expense ratio, exit load and capital-gains tax differ by fund and holding period.
When are the deposits credited?
The calculator assumes each deposit lands at the start of the month (the standard used by most SIP calculators), so every instalment earns a full month of returns.