SIP Calculator
Estimate the future maturity value of your mutual fund Systematic Investment Plan (SIP) and compare invested capital against capital gains.
Projected total at 12% compound growth
120 monthly contributions
94% growth on capital
Mutual Fund SIP Future Value Compounding Formula
Projects the maturity corpus of a Systematic Investment Plan (SIP) in equity mutual funds with monthly compounding.
Calculation Steps
- 1Convert expected annual return rate to monthly rate: i = Expected Return / 12 / 100.
- 2Calculate total investment periods: n = Investment Tenure in Years * 12.
- 3Compute geometric compound multiplier [((1 + i)^n - 1) / i] * (1 + i).
- 4Multiply by monthly installment P to obtain estimated future maturity value.
- 5Subtract total invested capital (P * n) to calculate estimated wealth gain.
Practical Example
Scenario: Monthly SIP of ₹5,000 for 15 years at an expected 12% annual return
Inputs: Monthly SIP: ₹5,000 | Tenure: 15 Years (180 months) | Expected Return: 12% p.a.
Calculation: Total Invested = 5,000 * 180 = ₹9,00,000 | Maturity Value = ~₹25,22,880
Result: Invested: ₹9,00,000 | Estimated Wealth Gain: ₹16,22,880 | Total Corpus: ₹25,22,880
Assumptions & Disclaimers
Key Assumptions:
- Investments are made on the 1st of every month consistently.
- Returns are compounded monthly at a constant rate.
Mutual fund investments are subject to market risks. Historical returns do not guarantee future returns. Equity markets experience volatility.
Frequently Asked Questions
Related Calculators & Tools
EMI Calculator
Calculate loan EMI, total interest, and yearly amortization schedule.
GST Calculator
Calculate GST inclusive/exclusive amounts with CGST/SGST split.
Fixed Deposit (FD) Calculator
Calculate bank FD maturity amount with quarterly compounding.
Recurring Deposit (RD) Calculator
Calculate bank RD maturity value and interest on monthly deposits.