📈 SIP Calculator
Har mahine thoda-thoda — SIP se kitna banega, abhi andaza lagao.
Last updated: 7 Oct 2026 · Calculation based on publicly known formulas. This is an estimate — actual values may vary.
Result
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This is an estimate. Actual values may vary.
How we calculated it
Monthly SIP future value = P × ((1+r)^n − 1)/r × (1+r), where r = annual return ÷ 12 ÷ 100 and n = years × 12. This is the annuity-due formula — it assumes each instalment is invested at the start of the month, which is how most SIP calculators and mutual fund houses quote projections.
Invested amount = monthly investment × total months. Estimated gains = maturity value − invested amount.
Honest limits
- Returns are assumed constant every month — real market returns swing up and down.
- Expense ratios, exit loads and capital-gains tax are not deducted.
- This is a projection, not a promise — no return is guaranteed.
This is an estimate. Actual values may vary. For official figures, always check the relevant authority or official notification.
Frequently asked questions
SIP me paisa har mahine kab invest mana jata hai?
Is calculator me har instalment mahine ki shuruaat me invest mani gayi hai (annuity-due) — yahi standard SIP projection convention hai. End-of-month assumption par result lagbhag ek mahine ke return se kam hota.
Kya 12% return guaranteed hai?
Bilkul nahi. 12% sirf ek illustrative assumption hai — equity SIP ka long-term average iske aas-paas raha hai, par future returns market par depend karte hain aur negative bhi ho sakte hain.
Kya ye step-up SIP (har saal badhta investment) support karta hai?
Abhi nahi — ye fixed monthly amount assume karta hai. Step-up SIP ka formula alag hota hai; conservative return daal kar rough andaza lagaya ja sakta hai.
Kya tax isme included hai?
Nahi. Equity mutual funds ke long-term gains par applicable capital-gains tax yahan deduct nahi kiya gaya — haath me aane wali rakam thodi kam hogi.
Maturity value invested amount se kam kyun dikh rahi hai?
Sirf tab jab return 0% ya negative ho. Positive return par maturity hamesha invested se zyada hoti hai — inputs dobara check karein.