SIP Calculator
Estimate how a monthly Systematic Investment Plan (SIP) could grow over time. This is a plain compound-interest calculation, not a return forecast or fund recommendation.
Your SIP details
Illustrative only. Mutual fund investments are subject to market risks; actual returns depend on the scheme, market conditions and holding period. This is not a recommendation of any fund or return rate.
How SIP compounding works
A Systematic Investment Plan lets you invest a fixed amount every month into a mutual fund scheme instead of a single lump sum. Each instalment buys units at that day's price, and over time your earlier instalments' returns start generating their own returns — compounding.
The two things that matter most for the maturity value are how long you stay invested and how consistent your monthly instalment is; the assumed return rate is the least controllable of the three, which is why it's worth checking your result at a few different rates rather than trusting a single number.
Frequently asked questions
No. It's a plain compound-interest calculation based on the numbers you enter. It doesn't recommend any fund, scheme or return rate — the expected return field is an assumption you control, not a guarantee or forecast from Phoneme Quant.
There's no single right answer — it depends on the fund category and market conditions, and mutual fund returns are never guaranteed. Many investors model a few scenarios (conservative, moderate, optimistic) rather than relying on one number.
No. Phoneme Quant is a distributor, not a SEBI-registered investment adviser, and does not provide personalised fund recommendations. We can help you start a SIP through NJ Wealth once you've decided what you'd like to invest in.
Distribution support through Phoneme Quant is for Regular Plan mutual fund schemes via NJ Wealth / NJ India Invest Private Limited, where the distributor may receive commission from the AMC.