Project the future value of a monthly SIP in a mutual fund.
Please do not make financial decisions based on these results.
What is the SIP Calculator — Systematic Investment Plan?
Project the future value of a monthly SIP in a mutual fund. To use the SIP Calculator — Systematic Investment Plan, enter monthly sip, expected return, years, annual step-up; it returns future value, total invested, estimated gains, and shows them instantly as you type.
Using India and Pakistan finance tools
For borrowing, the EMI calculator gives the monthly payment and total interest for any loan, and the Home Loan EMI Calculator adds the down payment. For investing, compare SIP with lump sum and check retirement income with the NPS calculator.
Tax tools differ by country. Use the India calculator to compare the new and old regimes, the Pakistan calculator for salaried slabs, and the zakat calculator to work out the 2.5% due above the nisab.
- Savings schemes. PPF, EPF, Sukanya Samriddhi, RD and the Post Office MIS use editable interest rates.
- Pension. Atal Pension Yojana and NPS show contributions and expected income.
How to use the SIP Calculator — Systematic Investment Plan
- Enter your numbers. The inputs are Monthly SIP (₹), Expected return (% per year), Years, Annual step-up (%). Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Future value, and the cards below show Total invested, Estimated gains. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the SIP Calculator — Systematic Investment Plan using the default values shown in the calculator above:
Inputs
| Monthly SIP (₹) | 10,000 |
|---|---|
| Expected return (% per year) | 12 |
| Years | 15 |
| Annual step-up (%) | 0 |
Results
| Future value | ₹50,45,760 |
|---|---|
| Total invested | ₹18,00,000 |
| Estimated gains | ₹32,45,760 |
With these inputs the calculator returns Future value: ₹50,45,760. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Monthly SIP (₹) from 10,000 to 12,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Future value | ₹50,45,760 | ₹60,54,912 | +20% |
| Total invested | ₹18,00,000 | ₹21,60,000 | +20% |
| Estimated gains | ₹32,45,760 | ₹38,94,912 | +20% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the SIP Calculator — Systematic Investment Plan reports Future value, total invested and estimated gains. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on markets; the rate here is an assumption.
Which Pakistan tax slabs are used?
The FY 2026-27 slabs enacted by the Finance Act 2026 (no surcharge on salary income), with the FY 2025-26 slabs and their 9% surcharge selectable for comparison.
Are PPF, EPF and SSY rates fixed?
No. The government revises small-saving rates quarterly and EPF yearly, so the rate is an input you can edit.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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