Systematic Investment Plans spread market entry across months, which can smooth average purchase prices compared with a single lump-sum entry.
This page projects maturity using a steady monthly contribution and a constant assumed annual return—useful for goal sizing, not a performance guarantee.
SIP Calculator — key points
- End-of-month SIP future value with editable monthly amount, return assumption, and tenure.
- Shows total contributed versus estimated gains in numbers and a pie chart.
- Works entirely in the browser with no account requirement.
How this SIP projection helps
You can translate a monthly savings habit into a rough corpus target for education, retirement, or a down payment.
Because markets are volatile, treat the return field as a scenario (conservative, base, optimistic) rather than a promise.
- Increase SIP by small increments to see non-linear effects from compounding.
- Compare finishing earlier vs contributing longer at a lower amount.
- Pair the output with your real fund factsheet expense ratio mentally—fees reduce net results.
Future value of a monthly SIP (end-of-month)
FV = PMT × [ ((1 + r)^n − 1) / r ] where r = monthly return decimal, n = months, PMT = monthly investment.
Symbols
- PMT — Fixed amount invested each month.
- r — Expected monthly return as a decimal (annual % ÷ 12 ÷ 100 is an approximation).
- n — Number of monthly contributions.
Illustrative scenario
If you invest ₹5,000 every month for 120 months and assume 12% annualised return converted to a monthly rate, the tool compounds each instalment forward. Actual mutual fund NAV paths will differ; use the result as directional planning only.
Benefits of using Profitspire Hub for SIP math
- Clarifies how much of the ending balance might come from your deposits vs growth.
- Encourages scenario thinking instead of a single optimistic headline return.
- Complements—not replaces—fund disclosures and risk statements.
Frequently asked questions
- Is this the exact value my AMC will pay?
- No. NAV changes daily; this is a smooth-growth model.
- Should I use pre- or post-tax returns?
- Use whatever assumption matches how you think about goals; many people run both a before-tax and after-tax mental discount.
- Does it model step-up SIP?
- Not here—raise PMT manually to mimic an annual increase.
Profitspire Hub publishes educational calculators only. Rates, slabs, and rules change—confirm with fund houses, banks, government notifications, or a qualified professional before acting.