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SIP Calculator

Calculate the maturity value, total invested amount, and estimated returns for a monthly SIP given amount, expected return rate, and duration.

This assumes each month's investment is made at the start of that month (the standard SIP convention) and that the return rate stays constant every year — real fund returns vary year to year, so treat the maturity value as an estimate, not a guarantee.

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Frequently Asked Questions

A Systematic Investment Plan (SIP) is a fixed amount invested at regular intervals (usually monthly) into a mutual fund, rather than investing a lump sum all at once.

Using the standard SIP future-value formula, compounding your expected annual return monthly and assuming each month's contribution is invested at the start of that month.

Yes, and the difference compounds — a small change in expected annual return produces a disproportionately larger change in maturity value over long durations (20-30+ years), because the return applies to a growing base each year.