SIP Calculator

Estimate your wealth creation over time.

Monthly InvestmentRs. 25,000
Expected Return Rate (p.a)12%
Time Period10 Years
Invested AmountRs. 30,00,000
Est. ReturnsRs. 28,08,477
Total ValueRs. 58,08,477

Wealth Breakdown

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Invested
Retruns

What is a SIP?

A Systematic Investment Plan (SIP) is an investment vehicle offered by many mutual funds to investors, allowing them to invest small amounts periodically instead of lump sums. The frequency of investment is usually weekly, monthly, or quarterly.

How does the SIP Calculator work?

Our SIP return calculator uses the compound interest formula to forecast your future wealth. By entering your expected monthly investment, expected rate of return, and your time horizon, the calculator computes the exponential compounding effect on your money over time.

The Math Behind SIP Returns

The calculator employs a standard formula:
M = P × ({[(1 + i)^n – 1} / i]) × (1 + i)
Where:
M is the maturity amount,
P is the monthly investment,
n is the number of months,
and i is the periodic rate of interest.

Disclaimer:The calculations produced by this tool are for informational purposes only. Actual mutual fund returns are subject to market risks, and this calculator does not guarantee future performance or specific financial advice.

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Frequently Asked Questions — SIP Calculator

What is SIP in Mutual Funds?

SIP (Systematic Investment Plan) is a method of investing a fixed sum regularly in a mutual fund scheme. It allows you to invest in a disciplined manner without worrying about market volatility and timing.

How much should I invest in SIP per month?

Financial advisors generally recommend investing at least 20-30% of your monthly income in SIPs. However, even starting with as low as Rs. 500 per month can help build wealth over time through the power of compounding.

Is SIP better than Fixed Deposit?

SIP in equity mutual funds has historically delivered higher returns (12-15% p.a.) compared to FDs (6-7% p.a.) over long periods. However, SIPs carry market risk while FDs offer guaranteed returns. The right choice depends on your risk appetite and investment horizon.

Can I stop my SIP anytime?

Yes, SIPs are completely flexible. You can pause, stop, or modify your SIP amount at any time without any penalty. There is no lock-in period for regular SIPs (except ELSS which has a 3-year lock-in).