SIP Calculator

Calculate returns on your Systematic Investment Plan (SIP) in mutual funds. Plan your monthly investments and see how they grow over time.

SIP Details

5,000
12%
10 years
10%
Increase your SIP amount by this percentage every year

SIP Investment Results

Estimated Future Value

₹ 11,61,695

Wealth Gained

₹ 7,11,695

Total Investment

₹ 4,50,000

Annualized Returns

12%

Investment Growth

Related Financial Calculators

Use these calculators to better plan your finances and understand different aspects of your home purchase.

EMI Calculator

Calculate your Equated Monthly Installment (EMI) for any loan with detailed breakdown of interest and principal.

Calculate Now

Income Tax Calculator

Calculate your income tax liability under both old and new tax regimes. Optimize your savings.

Calculate Now

EMI vs Rent Calculator

Compare buying a home with EMI vs renting. Make informed decisions with detailed cost analysis.

Calculate Now

About SIP Calculator

A Systematic Investment Plan (SIP) is a method of investing a fixed sum regularly in mutual funds. It helps in rupee cost averaging and compounding returns over the long term. SIPs are one of the most popular ways to invest in mutual funds in India.

Our SIP Calculator helps you estimate the potential returns from your monthly SIP investments. You can adjust the monthly investment amount, expected returns, investment period, and annual step-up increase to see how your investment grows over time.

The SIP calculation formula is based on compound interest with regular monthly contributions. The formula used is:

FV = P × [ (1 + i)^n - 1 ] × (1 + i) / i

Where:
FV = Future Value
P = Monthly Investment
i = Monthly interest rate (annual rate ÷ 12)
n = Total number of months

Benefits of SIP Investing

Discipline

Regular investments instill financial discipline and help build wealth systematically.

Rupee Cost Averaging

You buy more units when prices are low and fewer when prices are high, averaging your purchase cost.

Power of Compounding

Your returns generate more returns over time, leading to exponential growth in the long term.

Small Investments

Start with as low as ₹500 per month. No need for large lump sum investments.

Frequently Asked Questions

What is SIP?

SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It allows investors to invest small amounts periodically instead of lump sum investments.

How does SIP work?

In SIP, a fixed amount is deducted from your bank account monthly and invested in selected mutual funds. You get mutual fund units based on the NAV (Net Asset Value) on the investment date.

What is SIP step-up?

SIP step-up allows you to increase your monthly SIP amount annually by a fixed percentage (usually 10-20%). This helps accelerate wealth creation as your income grows over time.

What is a good SIP amount to start?

You can start with as low as ₹500 per month. A good rule is to invest 20-30% of your monthly income. The key is consistency - regular investments matter more than the amount.

Are SIP returns guaranteed?

No, SIP returns are not guaranteed as they depend on market performance. Mutual funds are subject to market risks. Past performance is not indicative of future results.

SIP Investment Examples

Monthly SIP 10 Years 15 Years 20 Years 25 Years
₹5,000 ₹11.6 Lakhs ₹23.2 Lakhs ₹42.3 Lakhs ₹73.9 Lakhs
₹10,000 ₹23.2 Lakhs ₹46.5 Lakhs ₹84.7 Lakhs ₹1.48 Crores
₹25,000 ₹58.1 Lakhs ₹1.16 Crores ₹2.12 Crores ₹3.70 Crores
₹50,000 ₹1.16 Crores ₹2.32 Crores ₹4.23 Crores ₹7.39 Crores

*Calculated at 12% annual returns. Actual returns may vary.