FinuhaIndia

SIP Calculator

Calculate potential future returns of your Systematic Investment Plan (SIP) in mutual funds.

Estimated Maturity Value₹23,23,391
Total Invested₹12,00,000
Wealth Gain₹11,23,391
Breakdown
Invested Capital51.6%
Interest Earned48.4%

How This is Calculated (Formula Transparency)

M = P * [ ( (1 + i)^n - 1 ) / i ] * (1 + i), where P = monthly SIP amount, i = monthly return rate (annual / 12 / 100), n = months.

Concept: P = 10,000, i = 12 / 12 / 100 = 0.01, n = 180 months. M = 10,000 * [ (1.01^180 - 1) / 0.01 ] * 1.01 = ₹50,45,760.

Worked Example Case Study

Scenario: Monthly SIP of ₹10,000 for 15 years with an expected 12% annual return rate.

Detailed Calculation: P = 10,000, i = 12 / 12 / 100 = 0.01, n = 180 months. M = 10,000 * [ (1.01^180 - 1) / 0.01 ] * 1.01 = ₹50,45,760.

Result Outcome: Invested: ₹18,00,000. Wealth Gain: ₹32,45,760. Total Value: ₹50,45,760.

Assumptions & Rules

  • Returns are compounded monthly.
  • Historical mutual fund rates are entered by the user.
  • Calculations are compliant with laws and rates as of FY 2025-26 (AY 2026-27).

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Frequently Asked Questions