SIP Calculator
Plan your SIP and see estimated returns on your monthly investments.
How does this SIP calculator work?
Enter your monthly investment amount, expected annual return rate, and investment tenure to estimate your total value and returns.
SIP Formula
M = P × ((1 + i)n − 1 / i) × (1 + i) Where:
- M = Maturity amount (total value at the end)
- P = Monthly investment amount
- i = Monthly interest rate (annual rate / 12 / 100)
- n = Total number of months
The calculator compounds returns monthly, which more accurately reflects how SIPs actually earn returns compared to simple annual division.
Why use a SIP calculator?
- See how regular monthly investing may grow over time
- Try different amounts and tenures for your goal
- Compare contributions with returns from compounding
- Check numbers before starting a mutual fund SIP
Note: This calculator provides estimates for informational purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Not SEBI registered. Not investment advice.
SIP Calculator: guide and FAQ
What is it?
A SIP (Systematic Investment Plan) is a fixed monthly (or periodic) investment into a mutual fund. You buy more units when the market is down and fewer when it is up. Most people use SIPs for goals like retirement, children's education, or long-term wealth in equity or hybrid funds.
How to use this calculator
- Enter monthly investment Enter the amount you invest each month. This tool allows a minimum of ₹100.
- Set expected return Pick a return that matches the fund type. Many people use 10-12% for long-term equity funds and a lower rate for debt or hybrid funds. Actual returns will vary.
- Choose time period Select how many years you will run the SIP. Over long periods, returns often make up a large part of the final amount.
- Review results and chart Check invested amount, estimated returns, and total value. Use the chart to see how the balance might grow year by year.
Worked example
At ₹5,000/month for 10 years and 12% p.a., you would invest about ₹6 lakh and see roughly ₹11.6 lakh in this model.
Practical tips
- Starting early helps. Even ₹2,000 a month adds up over 15-20 years.
- Consider a step-up SIP when your salary rises.
- Choose funds to match your goal and risk, not just last year's return.
Frequently asked questions
Is SIP return guaranteed?
No. SIPs in mutual funds depend on market returns. This calculator uses one assumed rate; your actual NAV will move up and down each year.
What return rate should I assume for equity SIPs?
There is no fixed answer. Some planners use 10-12% for long equity horizons. Try 8% and 12% here to see a rough range.
SIP vs lumpsum: which is better?
SIPs suit regular income and spread your entry over time. Lumpsum suits when you already have the full amount. Compare both calculators if you are unsure.
Does this include taxes or exit load?
No. Figures are before tax. Equity funds may have STCG or LTCG on redemption, depending on how long you hold.