SIP Calculator

Estimate a mutual fund SIP, lump sum, or withdrawal. You type the rate. Results are estimates, not advice.

Smart Tips

• Use monthly SIP for a regular mutual fund installment, lump sum for one investment, and SWP for a regular withdrawal.

• Type the annual return yourself. This page does not fetch a scheme return or a NAV.

• SIP and lump sum show amount invested, estimated gain, and maturity.

• SWP says whether the figure is how long the balance lasts or the ending balance.

• Cash flows are at the start of the month. Growth is applied after the deposit or withdrawal.

• A partial year rounds to the nearest month. One year is twelve monthly steps.

The Formula

SIP: FV = P × (((1+i)^n − 1) / i) × (1+i)
Lump sum: FV = P × (1+i)^n
SWP: balance = (balance − W) × (1+i)

P = Payment or lump sum
Amount you type

i = Monthly rate
Annual percent ÷ 100 ÷ 12

n = Months
Years × 12, nearest month

W = Withdrawal
Taken at the start of the month

The extra (1+i) on the SIP line means the installment is at the start of the month. At a zero rate, SIP maturity is P × n. Estimated gain is maturity minus the amount invested. SWP stops when the balance cannot fund the next withdrawal and then reports how long it lasted. If the term is fully funded, it reports the ending balance.

Key Insights

One page, three modes

Mutual fund SIP, lump sum, and SWP are modes here. They are not separate calculators.

You type the rate

There is no scheme list and no last traded price. The return is only the percent you enter.

Start of the month

Deposits and withdrawals happen before that month's growth, not after it.

SWP says which figure

If the corpus runs out, you see how many months it lasted. If it does not, you see the ending balance.

Frequently Asked Questions

A mutual fund systematic investment plan, a one-time lump sum, or a systematic withdrawal plan. You type the annual return. The page does not look up a fund.

At the start. Each SIP installment is added, then that month's growth is applied. A lump sum is invested at the start and then compounds for every month in the term. Each SWP withdrawal is taken at the start of the month, then the remainder grows.

Monthly SIP and lump sum show the amount invested, the estimated gain, and the maturity value. SWP shows how long the balance lasts when it cannot fund the next withdrawal, or the ending balance when the plan covers the whole term. The result says which of those two it is.

The term is converted to months and rounded to the nearest month. One year is 12 months. The annual rate is split into twelve equal monthly rates.

The plan stops. The result is the number of months that could be paid in full, and the balance left is the amount that could not cover another withdrawal. If every withdrawal in the term is covered, the result is the ending balance instead.

Monthly SIP maturity is the future value of an annuity due: payment times (((1 + i) to the power n, minus 1) divided by i) times (1 + i). i is the annual rate divided by 12, and n is the number of months. At a zero rate the maturity is the payments added up. Lump sum maturity is the amount times (1 + i) to the power n. SWP repeats balance = (balance minus withdrawal) times (1 + i) and stops early when the balance cannot fund the next withdrawal. No fund factsheet, NAV, or outside rate feed is used. The rate is the one you type. Source: SEC Investor.gov compound interest glossary: https://www.investor.gov/introduction-investing/investing-basics/glossary/compound-interest.

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Maturity

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Amount invested

Estimated gain

Note:Deposits and withdrawals are at the start of the month. The rate is the one you type. This is an estimate, not a fund quote or investment advice.