Estimate your mutual fund SIP maturity value, total investment, and wealth gained — fully client-side.
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
Add the monthly investment amount, expected annual return, and duration in years.
Maturity value, total invested, and total gains update instantly.
Scroll the table to see how your invested amount vs. value grows each year.
Results compute instantly as you type.
Calculated locally — nothing is uploaded.
No signup or account required.
Using the standard SIP future-value formula, applied month by month: each month's investment is added to the running balance, then the whole balance grows by your expected monthly return rate (annual rate divided by 12). This is the same method most SIP calculators use.
No. The annual return rate you enter is an assumption you provide — actual mutual fund returns fluctuate with the market and are never guaranteed. Use this as a planning estimate, not a promised outcome.
No. This is a simple maturity-value estimator based on your input return rate. It does not model fund expense ratios, exit loads, or taxation — factor those in separately for a more complete picture.
Not directly — this calculator assumes a fixed monthly investment amount for the full duration. For a step-up SIP, calculate each step period separately using the final value as the next period's starting point.
No. All calculations happen locally in your browser — nothing is sent to a server.
Yes, completely free with no signup and no watermark.
About this tool
Estimate what a fixed monthly mutual fund SIP could grow to, with total invested, total gains, and a year-by-year table.
A SIP puts a fixed amount into a fund every month, so the final value depends on three things you choose: how much you invest, the return you assume, and how long you stay invested. This calculator compounds monthly at one-twelfth of the annual rate and treats each installment as invested at the start of its month, then shows the estimated maturity value, the total you put in, the growth on top of it, and a year-by-year table so you can watch compounding build over time. The return is a number you supply, not a forecast, and the estimate does not deduct fund expense ratio, exit load, tax, or inflation. The monthly amount stays fixed for the whole duration, so there is no step-up or lumpsum mode. Treat the result as a planning estimate, not a promise of returns.
Choose the SIP Calculator when you are investing a fixed amount every month and want to estimate what it could grow to. Choose the EMI Calculator when you are repaying a loan and want the monthly payment and total interest — SIP is about growth of money you invest, EMI is about the cost of money you borrow. This tool models a fixed monthly SIP only: it has no lumpsum or step-up mode, and it does not deduct fund costs, tax, or inflation, so use its result as an estimate rather than a forecast.
Privacy-first: Where browser-based processing is available, your files stay on your device. No file is uploaded to our servers unless strictly required for the tool to function.
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