SIP Calculator
Estimate how a fixed monthly investment could grow over time with compounding.
Assumes the instalment is invested at the start of each month and compounded monthly at a constant rate. Actual returns vary.
Amount invested
₹12,00,000
Estimated gains
₹11,23,391
Estimated value
₹23,23,391
Growth over time (illustrative)
Invested vs estimated gains
- Amount invested₹12,00,000(52%)
- Estimated gains₹11,23,391(48%)
How this works
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals, usually monthly. This calculator assumes each instalment is invested at the start of the month and compounds monthly at the expected annual rate you enter.
The estimated value is calculated as P × [((1 + r)^n − 1) / r] × (1 + r), where P is the monthly amount, r is the monthly rate (annual rate ÷ 12) and n is the number of months.
Real mutual fund returns are not constant — they vary from year to year and can be negative. Use a range of return assumptions to understand possible outcomes rather than relying on a single figure.
The expected rate of return is an assumption you choose; it is not a projection of any particular scheme's performance.
The results shown are illustrative estimates based on the assumptions you enter and are not a guarantee of future returns. Actual returns may be higher or lower. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past performance does not guarantee future returns. These tools are for educational purposes only and do not constitute investment advice or a recommendation of any product. WealthBay is an AMFI-registered Mutual Fund Distributor (ARN 29566).
Turn Estimates into a Personalised Plan
Calculators show what is possible under a set of assumptions. Our team can help you review your goals, risk appetite and existing investments in a free, no-obligation conversation.