Project your mutual fund investments with compound interest calculations and visualize your wealth growth over time.
Investment details
Enter your monthly SIP amount, expected returns and investment period to see your future wealth projection.
SIP returns compound monthly, which means your money earns returns on returns. This calculator accurately models that compounding to show your real future value.
Already have an initial investment? Add your lump sum and the calculator combines it with your SIP contributions to project the total corpus value.
Know your target corpus? Work backwards — adjust the monthly SIP amount until the projected future value matches your financial goal (retirement, education, house).
Input how much you plan to invest each month in your mutual fund SIP — from ₹500 upward.
Enter the expected annual return rate. Equity mutual funds historically return 10–15%. Debt funds typically return 6–8%.
Instantly see the projected corpus, total invested amount, estimated returns, and the invested-vs-returns split chart.
SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals (usually monthly). Each instalment buys units at the prevailing NAV. Over time, compounding of returns on the accumulated corpus builds significant wealth.
The future value is calculated using the formula: FV = P × [((1 + r)^n – 1) / r] × (1 + r), where P is the monthly SIP amount, r is the monthly rate (annual rate ÷ 12), and n is the total number of months. Any lump sum is compounded separately and added to the result.
For large-cap equity mutual funds, a 10–12% annual return is a reasonable assumption for long-term projections. For small-cap or sector funds, you may project 12–15%, though past returns don't guarantee future results. For debt funds, 6–8% is a common estimate.
Yes, completely free with no registration required. All calculations run in your browser instantly.