📈 Mutual Funds
SIP Calculator 2026 — Calculate Mutual Fund Compounding Wealth
Calculate expected maturity wealth and compound interest on monthly mutual fund SIPs from ₹100.
Monthly SIP Amount
₹
₹
Expected Annual Return Rate (%)
%
%
Investment Time Period (Years)
Yrs
Yrs
Total Invested
₹1,20,000
Estimated Returns
₹1,44,830
Total Maturity Wealth
₹2,64,830
🔥 2026 Investment Guide
⏱️ 9 Min Deep Dive
⏱️ 9 Min Deep Dive
Starting a Monthly SIP? Don't Invest Until You Read This:
Should you put your monthly SIP in Direct Mutual Funds or pick a curated Smallcase Basket? See our real ₹30,000 portfolio experiment revealing hidden DP charges and 20% quarterly STCG rebalancing taxes.
📈 Mutual Fund SIP Compounding Formula
SIP uses monthly compound interest with monthly deposits:
M = P × ({[1 + i]^n – 1} / i) × (1 + i)
Where:
M = Final maturity amount
P = Monthly SIP amount
i = Periodic interest rate (Annual Rate / 12 / 100)
n = Total months (Years × 12)
Where:
M = Final maturity amount
P = Monthly SIP amount
i = Periodic interest rate (Annual Rate / 12 / 100)
n = Total months (Years × 12)
Pro Tip for College Students: Starting a small SIP of just ₹500 at age 19 yields 3x more wealth than starting a ₹2,000 SIP at age 30 due to an extra decade of compounding!
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