What is the formula used to calculate SIP returns?

The calculator uses the standard future-value-of-a-SIP formula: FV = P × [ ((1 + i)^n − 1) / i ] × (1 + i), where P is your monthly investment, i is the monthly rate of return (annual rate ÷ 12 ÷ 100) and n is the total number of monthly instalments (years × 12). Your invested amount is simply P × n, and estimated gains are FV minus that.

Does the SIP calculator guarantee these returns?

No. It assumes a constant return every month, which real markets never deliver. Actual mutual fund returns rise and fall with the market and are not guaranteed. Use the result as a planning guide, and remember that mutual fund investments are subject to market risks.

How much should I invest in a SIP every month?

It depends on your goal, time frame and income — not a fixed rule. You can start a SIP with as little as ₹500 a month. What matters most is starting early and staying consistent. Our Faridabad-based planners can help you arrive at a comfortable, goal-linked amount.

Can I change my SIP amount later?

Yes. SIPs are flexible — you can step up your contribution as your income grows, pause it, or start additional SIPs for new goals. Many investors increase their SIP each year to keep pace with income and inflation.

SIP Calculator

See what your monthly SIP could grow into

Move the sliders to project your mutual fund SIP corpus in seconds. A simple way for investors across Faridabad and Delhi NCR to visualise the power of disciplined, monthly investing.

Your SIP details

Monthly investment

₹

Investment period

yrs

Assumed return (p.a.)

A hypothetical planning input, not expected performance. Test multiple conservative assumptions; actual returns can be lower or negative.

Estimated future value

₹50,45,760

≈ ₹50.5 L after 15 years

Gains64%

Total invested₹18,00,000

Estimated gains₹32,45,760

Total value₹50,45,760

Projected growth

Estimates only, based on a constant assumed return — actual mutual fund returns vary and are not guaranteed. This is not investment advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.

The maths

How the SIP calculation works

No black box — here's exactly what happens when you move the sliders.

FV = P × [ ((1 + i)ⁿ − 1) / i ] × (1 + i)

P Your monthly investment amount
i Monthly rate of return = annual return ÷ 12 ÷ 100
n Total instalments = years × 12

Invested amount = P × n. Estimated gains = future value − invested amount. Because each instalment compounds for a different length of time, early SIPs do the heaviest lifting — which is why starting sooner matters so much.

Why SIP works

Discipline beats timing

Rupee-cost averaging

Fixed monthly investing buys more units when prices are low and fewer when high, smoothing out volatility over time.

The compounding curve

Returns earn returns. Notice how the growth chart bends upward — the gap between invested and total widens the longer you stay.

Automatic & stress-free

SIPs are automated, so you invest through every market mood without second-guessing or timing the market.

Related tools

Plan the full picture

Lumpsum calculator Goal calculator Retirement calculator About SIP investing

Frequently asked questions

A SIP (Systematic Investment Plan) calculator estimates the future value of investing a fixed amount every month in a mutual fund. You enter your monthly amount, the number of years and an expected annual return; it compounds each instalment forward and shows your total invested amount, estimated gains and projected corpus.

Gayatri Financial Synergy is an AMFI-registered Mutual Fund Distributor (ARN-169480), held by Roohani Bangia, not a SEBI-registered Investment Adviser. GFS distributes Regular Plans and may earn commission on them; analytics tools use Direct-Growth facts and do not accept transactions. Content here is for information only and is not investment advice. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Ready to start your SIP?

Our AMFI-registered mutual fund distribution team in Faridabad / Delhi NCR can help you set up a goal-based SIP.

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