SIP Calculator — Systematic Investment Plan Returns
Calculate the future value of your SIP investments instantly. See how monthly investments grow over time with the power of compounding.
Leave blank to disable Step-Up SIP.
• SIP helps in rupee cost averaging
• Ideal for long-term wealth creation
• Start with as low as ₹500 per month
Your SIP Results
Enter your details and click Calculate to see results
See Your Complete Wealth Picture
Combine your SIP with FD, Gold, NPS and more in our unified Wealth Calculator — the only tool that shows all your investments together.
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your monthly mutual fund investments. By entering your monthly investment amount, expected annual return, and investment period, you can instantly see how much wealth you can build through disciplined, regular investing.
How Does the SIP Formula Work?
Our SIP calculator uses the mathematically correct compound interest formula. The monthly rate is derived as (1 + annual rate)^(1/12) - 1, which accounts for proper compounding — unlike many calculators that incorrectly use simple division. This ensures your projections are accurate and match real-world mutual fund performance.
Where P = monthly investment, r = monthly rate, n = total months
Benefits of SIP Investment
- Rupee Cost Averaging: Buy more units when markets are low, fewer when high — automatically averaging your cost over time.
- Power of Compounding: Returns earned on your returns accelerate wealth creation significantly over long periods.
- Disciplined Investing: Regular monthly investments build financial discipline and remove the temptation to time the market.
- Flexibility: Start with as little as ₹500/month and increase your SIP amount as your income grows (Step-Up SIP).
- Tax Efficiency: ELSS mutual funds via SIP qualify for ₹1.5 lakh deduction under Section 80C.
SIP vs Lumpsum — Which is Better?
SIP is generally better for salaried investors with a regular monthly income, as it spreads investment across market cycles. Lumpsum investments work better when you have a large corpus available and markets are at attractive valuations. Most financial advisors recommend SIP for long-term wealth creation because it removes the need to time the market.
Frequently Asked Questions
What is a good SIP return rate to assume?
Historically, diversified equity mutual funds in India have delivered 12-15% CAGR over 10+ year periods. For conservative planning, use 10-12%. For debt funds, use 6-8%.
What is Step-Up SIP?
A Step-Up SIP automatically increases your monthly investment by a fixed percentage (e.g., 10%) every year. This is powerful because your SIP grows with your income, significantly boosting long-term returns.
Is SIP calculator result guaranteed?
No. SIP calculations are estimates based on your assumed return rate. Actual mutual fund returns vary with market conditions. The calculator helps you plan — it does not guarantee outcomes.
How is real value different from total value?
Total value is the nominal (face) value of your investment. Real value adjusts for inflation (default 6%) to show what your money will actually be worth in today's purchasing power.