Estimate how your monthly SIP investment could grow over time.
This is an estimate based on a fixed assumed return — actual mutual fund returns vary and are never guaranteed. This isn't investment advice.
SIP uses the formula FV = P × [((1+r)^n − 1) ÷ r] × (1+r), where P is your monthly investment, r is the monthly rate of return, and n is the total number of months invested. This calculator does that math for you automatically.
No. Mutual fund returns fluctuate with the market and are never guaranteed. The percentage you enter is just an assumption for estimation purposes, based on whatever rate you'd like to model — not a promised or predicted return.
SIP returns compound over time, so money invested earlier has more time periods to grow on top of itself. Two people investing the same monthly amount can end up with very different totals if one starts even a few years earlier than the other.
Total invested is simply your monthly amount multiplied by the number of months. Future value is what that money could grow to with returns included — the difference between the two is your estimated wealth gained.