Enter how much you invest each month, the return you expect, and for how long, to estimate what your SIP could grow to — and how much of that is your money versus returns.
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A Systematic Investment Plan (SIP) invests a fixed amount every month. Each instalment earns returns and those returns compound, so the maturity value is usually far more than the total you put in. This estimate assumes a constant return rate; actual mutual fund returns vary and are not guaranteed.
It uses the future value of a monthly annuity: FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the monthly return (annual rate ÷ 12), and n is the number of months. Returns compound each month.
No. SIPs typically invest in mutual funds, whose returns depend on the market and are not guaranteed. The expected return you enter is an assumption — use a realistic long-term figure and remember actual results will vary.