SIP Calculator

Calculate SIP (Systematic Investment Plan) returns. See future value, total investment, and estimated returns.

Last updated: June 1, 2026

Monthly Investment (₹)

Expected Return (% p.a.)

Time Period (years)

Total Value

₹11,61,695

Est. Returns

₹5,61,695

Invested Amount

₹6,00,000

What is SIP Calculator?

A SIP (Systematic Investment Plan) calculator projects the future value of regular monthly investments in mutual funds, accounting for compound returns. SIP is India's most popular mutual fund investment method — investing a fixed amount monthly regardless of market conditions (rupee cost averaging). This tool shows you how small regular investments grow exponentially over time due to compounding, helping you set realistic savings goals and understand the power of long-term disciplined investing.

How It Works

Enter your monthly SIP amount, expected annual return rate, and investment duration. The tool applies the future value of annuity formula with monthly compounding: FV = P × [(1+r)^n - 1] / r × (1+r), where P is monthly payment, r is monthly return rate (annual/12), and n is total months. It shows total invested amount, estimated returns earned, and final corpus value. A year-by-year breakdown reveals how compounding accelerates growth in later years — often the last 5 years of a 20-year SIP generate more returns than the first 15 combined.

Common Use Cases

•Planning monthly SIP amounts needed to accumulate a target retirement corpus
•Comparing growth scenarios at different expected return rates (equity vs debt funds)
•Understanding how increasing SIP tenure dramatically improves final returns through compounding
•Setting savings goals for children's education, home down payment, or financial independence
•Deciding between lump sum investment and SIP by comparing projected outcomes
•Motivating consistent investing by visualizing how today's small investments grow over decades

Frequently Asked Questions

What is SIP?▼

SIP is a method of investing a fixed amount regularly in mutual funds, typically monthly.

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