Formula
M = P × ((1 + i)^n − 1) / i × (1 + i)Future value of an annuity-due (SIP at start of month).
Where
- M= Maturity amount (final wealth)
- P= Monthly investment amount (₹)
- i= Monthly rate of return (annual ÷ 12 ÷ 100)
- n= Total number of monthly instalments (years × 12)
How to use the SIP Calculator
- 1Enter your monthly SIP amount — typically ₹500 to ₹2,00,000.
- 2Pick an investment horizon (5–30 years works best for equity).
- 3Choose an expected annual return — equity SIPs in India have historically delivered 11–14% CAGR.
- 4See your invested amount, returns, and total wealth instantly.
Why it matters
- Disciplined investing — automatic monthly debit.
- Rupee-cost averaging during market dips.
- Power of compounding over long horizons.
- Start small, step up as income grows.
Ready to invest?
Start a SIP guided by Returnly experts. Zero account opening charges.
Frequently asked questions
What is a good SIP amount to start with?+
Start with what you can sustain monthly — even ₹500 builds the habit. Step up by 10% every year as your income grows.
Can I stop my SIP anytime?+
Yes, SIPs in mutual funds can be paused or stopped anytime without penalty.
Is SIP better than lumpsum?+
SIP is better for salaried investors and during volatile markets — it averages your cost over time.