Utilix

SIP Calculator

Plan your monthly investments and see the power of compounding.

Monthly investment
₹500₹2,00,000
Expected return rate
1% p.a.30% p.a.
Time period
1 yr40 yr
Final valuelive
₹11.62 L
Invested
₹6.00 L
Returns
₹5.62 L
Multiple
1.94x

About the SIP calculator

A SIP (Systematic Investment Plan) lets you invest a fixed amount every month into mutual funds. This calculator estimates your future corpus based on monthly amount, expected return, and duration.

How it works

  1. 1
    Enter monthly investment
    The amount you plan to invest every month into a mutual fund SIP.
  2. 2
    Set expected return
    Annual return you expect, based on the fund category. Equity SIPs historically deliver 10–14% over the long run.
  3. 3
    Choose time period
    Longer durations dramatically increase final corpus due to compounding.
  4. 4
    Read the result
    See your final value, total invested and total returns. Open the chart to visualize year-on-year growth.

Frequently asked questions

  • We use the standard SIP future value formula: FV = P × ((1 + i)^n − 1) / i × (1 + i), where P is the monthly contribution, i is the monthly return, and n is the number of months.

  • No. SIP returns depend on market performance. The calculator shows projections — not promises. Use a conservative rate when planning.

  • For real (inflation-adjusted) value, subtract expected inflation (~6%) from your assumed return to estimate purchasing power at maturity.

  • Yes. Most platforms allow you to step up, pause or stop SIPs anytime. A step-up SIP can significantly boost your final corpus.

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