SIP Calculator
See what a monthly SIP could grow into. This tells you the number — for what that number is actually funding, and whether it's on track, that's a different question.
Calculate your SIP
Total value at maturity: ₹75,68,640
How the SIP calculator works
A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund every month. Because each instalment buys units at that month's NAV, your average purchase cost smooths out over time — you buy more units when prices are low and fewer when they're high, a benefit usually called rupee-cost averaging.
This calculator assumes each instalment is invested at the start of the month and compounds monthly at your expected annual return, which is the same convention used by AMFI's own SIP calculator. The formula is:
FV = P × [ ((1 + i)ⁿ − 1) / i ] × (1 + i)
where P is your monthly instalment, i is the monthly rate (annual rate ÷ 12), and n is the number of months.
The "expected annual return" is an assumption, not a promise — equity mutual funds in India have historically returned in a wide range depending on category and period. Treat the output as a planning estimate, and revisit it as actual returns come in.
A number isn't a plan
This calculator can tell you what ₹15,000 a month might become in 15 years. It can't tell you whether that money is meant for retirement, a child's education, or a house — or whether the mutual funds you already hold are actually positioned to get you there.
That's a different problem: mapping the funds you already own to the goals they're meant to fund, with the reasoning shown alongside. That's what Earmark does with your existing CAS — no new funds to buy, just clarity on what you already have.
Questions worth answering.
Keep exploring
See what your own mutual funds are actually funding.
Earmark reads your CAS and maps every fund you already own to a goal — free to start.
Get started free