About the SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount into a mutual fund every month instead of a single lump sum. Because you buy units at different prices over time, you average out market ups and downs — a strategy known as rupee-cost averaging — and you benefit from compounding as your returns themselves start earning returns.
This calculator uses the standard future-value-of-an-annuity formula. You enter your monthly investment, the expected annual rate of return, and the number of years, and it shows your total amount invested, the estimated returns earned on top, and the final maturity value. Remember that mutual-fund returns are not guaranteed — the rate you enter is an assumption, so it's worth checking a conservative and an optimistic scenario.