Please enter a valid monthly amount
Please enter a valid return rate
Please enter valid years (1-40)
Future Value
₹0
₹0Invested Amount
₹0Wealth Gained
⚠️ This calculator gives an estimate based on a constant assumed annual return. Actual mutual fund returns vary with market performance. This is not investment advice.
How SIP Calculation Works
Compound growth on monthly investments
1
Monthly Investment
You invest a fixed amount every month into a mutual fund
2
Compounding Returns
Each installment grows over time at the expected annual rate
3
Future Value
Total maturity value = invested amount + compounded gains
Frequently Asked Questions
Common questions about SIP investing
What is SIP? ▼
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) into a mutual fund scheme, helping build wealth gradually through rupee-cost averaging and compounding.
Is SIP good for long-term wealth creation? ▼
Yes. SIPs are widely used for long-term goals like retirement or children's education since they benefit from compounding and reduce the impact of market volatility over time.
What return rate should I assume? ▼
Equity mutual funds in India have historically delivered 10-14% annualized returns over long periods, though this is not guaranteed. Debt funds typically offer lower, more stable returns of 6-8%.
Can I change my SIP amount later? ▼
Yes, most mutual funds allow you to increase, decrease, pause, or stop your SIP at any time through your fund house or investment platform.
Is this calculator's result guaranteed? ▼
No. This tool provides an estimate assuming a constant rate of return. Actual mutual fund performance fluctuates with market conditions and is never guaranteed.
Free SIP Calculator for Indian Mutual Fund Investors
FileMagic Pro's SIP Calculator helps you estimate the future value of your monthly mutual fund investments. Simply enter your monthly SIP amount, expected annual return rate, and investment duration to see your projected maturity value, total invested amount, and wealth gained through compounding.
How Is SIP Future Value Calculated?
The calculator uses the standard SIP future value formula based on monthly compounding: FV = P × (((1 + r)^n − 1) / r) × (1 + r), where P is the monthly investment, r is the monthly rate of return, and n is the total number of installments.