About the SIP Calculator
A Systematic Investment Plan (SIP) invests a fixed amount every month, so you buy more units when prices are low and fewer when high — averaging your cost over time. This SIP calculator shows an estimated future value based on your monthly amount, an assumed annual return and the tenure. Actual returns vary with the market.
How the SIP calculator works
It compounds each monthly instalment to the end of the period at your assumed rate of return, then splits the result into the amount you invested and the estimated gains.
- Monthly investment — what you put in each month.
- Expected return — an assumed annual rate; equity funds have historically returned more than debt, with more ups and downs.
- Time period — longer horizons give compounding more room to work.
Why start a SIP
SIPs build discipline, remove the guesswork of timing the market and let small amounts compound into a meaningful corpus over years. On ROAR you can start a SIP in zero-commission direct mutual funds from as little as ₹100 a month, fully paperless.
SIP Calculator — frequently asked questions
Is the SIP calculator accurate?
It gives an estimate using a constant assumed return. Real mutual fund returns vary year to year, so treat the result as a planning guide, not a guarantee.
What return should I assume?
There is no fixed answer — it depends on the fund type and market. Many investors model equity funds conservatively and review periodically. Past performance does not guarantee future returns.
Can I start a SIP with ₹100?
Yes — on ROAR you can start a SIP in direct mutual funds from ₹100 a month, and pause, modify or stop it anytime with no penalty from us.
Does the calculator include taxes?
No. Returns are shown before tax and exit load. Mutual fund gains are taxed by fund type and holding period — consult a tax adviser.