How this sip calculator works
QuickCalcy uses the future value of a monthly annuity due. Each SIP is added at the start of the month and then receives monthly growth. The annual return is divided by 12 for the monthly rate.
Worked example
At the default assumptions, investing ₹25,000 per month for 15 years at an assumed 12% annual return means total contributions of ₹45 lakh. The calculated future value is an illustration, not a promised mutual fund return.
Assumptions
- Contributions occur at the start of every month.
- The selected annual return is divided equally across 12 months.
- Every monthly contribution is made on time.
- The return remains constant solely for calculation.
Limitations
- Real mutual fund returns fluctuate and can be negative.
- Expense ratios, taxes, exit loads and missed SIPs are not deducted.
- Inflation is not applied to the displayed future value.
Frequently asked questions
What is a SIP calculator?
It estimates the potential future value of regular monthly investments using a contribution, time period and assumed return.
Are SIP returns guaranteed?
No. Market-linked mutual fund returns vary, and the calculator is only a scenario-planning tool.
When is each SIP assumed to be invested?
QuickCalcy uses a beginning-of-month convention, often called an annuity due.
What return should I enter?
Use multiple conservative scenarios rather than treating one historical return as a forecast.
Does the result include tax and fund charges?
No. Taxes, expense ratios and exit loads depend on the investment and investor circumstances.
Can I share my calculation?
Yes. The WhatsApp and copy actions include a URL carrying the current input values.
How often should I review a SIP plan?
Review it when goals, income, time horizon or risk capacity change, and at least periodically.