Calculator
SIP Calculator
Estimate future value for monthly SIP or recurring investment contributions.
Estimate future value for monthly SIP or recurring investment contributions. This simple tool runs in your browser and gives an instant estimate.
Result
Enter your values and tap Calculate.
How to use this calculator
Fill in the fields, tap Calculate, and compare different scenarios by changing the numbers.
Use results as general planning estimates only.
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How to use the SIP Calculator
Estimate the future value of a monthly SIP investment over time; understand compounding returns on regular contributions; compare different monthly amounts and return scenarios.
Example workflow
Enter a monthly SIP amount, expected annual return rate, and investment duration in years. The calculator shows total invested amount, estimated returns, and final corpus value.
Common search topics
- SIP investment calculator
- systematic investment plan
- mutual fund SIP
- monthly investment returns
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — usually monthly. It builds wealth through compounding and averages out purchase cost over time (rupee cost averaging).
How is the SIP return calculated?
The calculator uses the compound interest formula for periodic contributions: FV = P × [(1 + r)^n − 1] / r × (1 + r), where P is monthly investment, r is monthly return rate, and n is total months.
Is the return rate guaranteed?
No. The return rate is an assumption you set. Mutual fund returns depend on market performance. Past performance does not guarantee future results. Use a range of 8–14% for long-term equity SIP planning.
What is the benefit of starting a SIP early?
Compounding rewards longer time horizons exponentially. Starting 5 years earlier with the same monthly amount can result in a final corpus that is 50–100% larger due to additional compounding cycles.
Should I consult a financial advisor for SIP planning?
For fund selection, tax efficiency, and portfolio allocation, yes. A SEBI-registered investment adviser can help you choose funds aligned with your risk profile and goals.
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People also ask
What is a realistic SIP return rate to use?
For long-term equity mutual funds (10+ years), many planners use 10–12% nominal return as a historical average for diversified index funds. For a conservative inflation-adjusted estimate, use 6–8%. Debt funds and hybrid funds have lower return profiles — 6–8% nominal. Always run scenarios at multiple rates rather than relying on a single assumption.
How does rupee-cost averaging work in a SIP?
When markets fall, your fixed monthly contribution buys more units. When markets rise, it buys fewer. Over time this averages your cost per unit below the average market price — you're not trying to time the market, just participating consistently. This is the core behavioral advantage of SIPs over lump-sum investing for most individual investors.
Should I stop a SIP during a market crash?
Stopping a SIP during a crash is usually counterproductive — it removes you from the market at precisely the moment when your contributions are buying the most units per rupee. Historical data consistently shows that investors who continue SIPs through downturns recover faster and end with higher corpus than those who pause and try to restart at the bottom.
Real-world scenarios
Starting at 25 vs 35: the decade difference
₹5,000/month at 10% for 35 years (starting at 25) produces roughly ₹1.9 crore. The same amount starting at 35 for 25 years produces roughly ₹67 lakh — less than half, with the same monthly investment. Run both scenarios in the calculator to see concretely why starting early matters more than investing more later.
Increasing your SIP by 10% each year (step-up SIP)
A step-up SIP increases contributions by a fixed percentage annually, aligned with salary increments. Starting at ₹10,000/month with 10% annual step-up at 12% return over 20 years can produce significantly more than a flat ₹10,000 SIP — often 40–60% more corpus. The calculator does not model step-up directly, but you can estimate by running multiple fixed-rate scenarios and comparing.
Using SIP for a specific goal like a home down payment
Set a target corpus, choose your time horizon, and work backward to find the required monthly SIP. For example, to accumulate ₹30 lakh in 7 years at 10% annual return, you need approximately ₹27,000/month. Use the calculator to try different monthly amounts and rates until the output matches your goal.