ToolkitBeeHow to use
- Enter the amount you plan to invest every month.
- Enter the yearly return you expect.
- Enter how many years you will keep investing.
- See the invested amount, estimated returns and total value.
Formula
FV = P × ((1 + i)n − 1) ÷ i × (1 + i)
where P = monthly investment, i = monthly return (yearly return ÷ 12 ÷ 100) and n = number of months.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market and can go up or down. The calculator only shows an estimate based on the return you enter.
What return should I assume?
Many people use 10–12% a year for long-term equity funds and 6–8% for debt funds, but past returns do not guarantee future results.
What is the power of compounding?
Your returns also earn returns. The longer you stay invested, the bigger the share of returns in your final value — try changing the years to see the effect.