How much will your SIP grow to?
Enter your monthly SIP amount, expected return, and investment period to instantly see your estimated corpus, invested amount, and wealth gain.
Estimate your SIP returns
Drag or type to see results instantly.
Total Value
₹11,61,695
1.9x your invested amount
Invested
₹6,00,000
Est. Returns
₹5,61,695
Monthly SIP
₹5,000
Total Months
120
Investment Breakdown
Common SIP goals
Home down payment
Child's education
Dream vacation
Retirement corpus
Estimates at 12% p.a. for illustration only. Actual returns vary.
Why SIP works — rupee cost averaging
| Month | NAV (₹) | SIP (₹) | Units bought |
|---|---|---|---|
| Jan | 50 | 5,000 | 100.00 |
| Feb | 40 | 5,000 | 125.00 |
| Mar | 45 | 5,000 | 111.11 |
| Apr | 55 | 5,000 | 90.91 |
| May | 60 | 5,000 | 83.33 |
| Average cost/unit | ₹25,000 | ₹48.08 | |
Market NAV was ₹50 in Jan and ₹60 in May, yet the average cost per unit is only ₹48.08 — lower than both. This is rupee cost averaging: buying more units when prices fall automatically lowers your average cost over time.
How to use
Enter monthly SIP
Type the amount you invest every month. Even ₹500/month works.
Set expected return
Enter your assumed annual return. 10–12% is typical for equity mutual funds.
Choose time period
Select how many years you plan to stay invested.
See results instantly
Your estimated corpus, invested amount, and gain appear immediately.
Key insight
At 12% return, ₹5,000/month for 10 years gives ~₹11.6 lakh. The same SIP for 20 years gives ~₹49.9 lakh — a 4× difference for only 2× the time. Start early.
Return assumptions
Conservative
Debt / hybrid funds
8%
Moderate
Balanced expectation
10%
Optimistic
Equity index funds
12%
SIP Calculator – Systematic Investment Plan Calculator
Many new investors confuse SIPs with mutual funds themselves. In reality, a Systematic Investment Plan (SIP) is simply one of two ways to invest in a mutual fund — the other being a one-time lump sum. A SIP lets you invest a fixed amount at regular intervals (monthly, quarterly, or weekly), making it accessible to anyone regardless of income level.
A SIP calculator is a planning tool that estimates the future value of your mutual fund investments based on the amount you invest, the frequency, the expected annual return, and the investment duration. It gives you a projected corpus so you can plan goals like retirement, a home down payment, or a child's education before you commit a single rupee.
What is a SIP Calculator?
A SIP calculator is a straightforward online tool that helps you estimate the returns on mutual fund investments made through the SIP route. As SIP investing has grown in popularity — particularly among younger investors — these calculators have become an essential first step before starting or increasing a SIP.
The calculator gives you a projected maturity value based on your inputs. Keep in mind that actual mutual fund returns vary with market conditions and are not guaranteed. The calculator also does not factor in the expense ratio charged by the fund house or any exit load that may apply on early redemption.
Decide your SIP amount
Find out how much you need to invest monthly to reach a specific financial goal.
See total invested vs returns
Understand exactly how much of your final corpus is your own money and how much is growth.
Estimate maturity value
Get a projected corpus for any combination of SIP amount, return rate, and time period.
How Can a SIP Return Calculator Help You?
Compared to investing a lump sum, SIPs are widely regarded by financial planners as a more disciplined and accessible approach. By committing to a fixed monthly amount, you build a savings habit and benefit from rupee cost averaging — buying more units when markets are low and fewer when they are high, which smooths out the impact of volatility over time.
An online SIP calculator helps you visualise the outcome of this discipline before you start. Here is what it helps you do:
- Decide the monthly investment amount that fits your budget and goal.
- See the total amount you will have invested by the end of the tenure.
- Get an estimated maturity value based on your assumed annual return.
- Compare different scenarios — higher SIP, longer tenure, or better return — side by side.
How Does a SIP Calculator Work?
The SIP maturity value is calculated using the future value of a recurring investment formula:
Formula
M = P × {[(1 + i)ⁿ − 1] ÷ i} × (1 + i)
Important: Converting Annual Return to Monthly Rate
A common mistake is dividing the annual return directly by 12. For example, treating a 12% annual return as 1% per month is incorrect because investment returns compound. The right conversion is:
Monthly rate (i) = (1 + Annual Return)^(1/12) − 1
For a 12% annual return: i = (1 + 0.12)^(1/12) − 1 ≈ 0.0095 or 0.95% per month. If you used 1% instead, the compounded annual return would exceed 12%, giving an inflated result. Our calculator uses the correct conversion automatically.
Worked Example
Suppose you invest ₹1,000 per month for 12 months at an annual return of 12%.
Step 1 — Convert annual return to monthly rate:
i = (1 + 0.12)^(1/12) − 1 = 0.0095 (0.95%)
Step 2 — Apply the SIP formula (n = 12 months):
M = 1,000 × {[(1.0095)¹² − 1] ÷ 0.0095} × (1.0095) ≈ ₹12,766
Total invested = ₹12,000. Estimated maturity value ≈ ₹12,766. The ₹766 gain over one year reflects the compounding effect even over a short period. Over longer durations — 10, 15, or 20 years — this compounding effect becomes dramatically more powerful.
Note that the actual return from a mutual fund scheme will vary based on market conditions and may be higher or lower than the assumed rate.
SIP vs Lump Sum — Which is Better?
Both SIP and lump sum are valid ways to invest in mutual funds, and the better choice depends on your situation. SIPs are generally preferred when you have a regular income and want to invest systematically without worrying about market timing. Lump sum investments can be more effective when markets are at a significant low and you have a large idle amount to deploy.
| Factor | SIP | Lump Sum |
|---|---|---|
| Investment frequency | Regular (monthly/quarterly) | One-time |
| Market timing risk | Low — averages out over time | High — depends on entry point |
| Minimum amount | As low as ₹500/month | Usually ₹1,000+ |
| Suitable for | Salaried investors | Investors with idle corpus |
| Rupee cost averaging | Yes | No |
| Discipline building | High | Low |
Tips for Getting the Most from Your SIP
Start early
Time is the most powerful variable in SIP returns. Starting 5 years earlier can more than double your final corpus at the same monthly amount.
Step up annually
Increase your SIP by 10–15% every year as your income grows. A step-up SIP can significantly outperform a flat SIP over 15–20 years.
Link SIPs to goals
Assign each SIP to a specific goal — retirement, education, home. This makes it easier to stay invested during market downturns.
Stay invested through volatility
Stopping a SIP during a market fall is the most common mistake. Falling markets mean you buy more units at lower prices, which benefits you when markets recover.
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