SIP Calculator

Estimate returns on your Systematic Investment Plan (SIP) in mutual funds. Plan your investments wisely!

Calculate Your SIP Returns

Your SIP Investment Results

Invested Amount

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Total principal invested

Estimated Returns

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Wealth gain

Total Value

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Future value of investment

Investment visualization chart will appear here after calculation.

How SIP Calculator Works

The SIP calculator estimates your returns. For a simple SIP (no yearly increase), it uses the formula:

FV = P × [({(1 + r)n} - 1) / r] × (1 + r)

Where:

  • FV = Future value of your SIP
  • P = Monthly investment amount
  • r = Expected monthly return rate (annual rate ÷ 12)
  • n = Total number of months (Investment Period in Years × 12)

For SIPs with a yearly step-up (annual increase in monthly investment), the calculator computes the future value of each year's series of investments and sums them up, accounting for the increased investment amount each year and its compounding over the remaining tenure.

Benefits of SIP Investment

  • Rupee Cost Averaging: Buy more units when prices are low and fewer when prices are high, averaging out your purchase cost over time.
  • Disciplined Investing: Automates regular investing, instilling financial discipline regardless of market conditions.
  • Power of Compounding: Earn returns on your returns over long periods, leading to significant wealth creation.
  • Flexibility: Start with small amounts (e.g., ₹500 per month) and increase your investment as your income grows.
  • Convenience: Easy to set up and manage, often through online platforms.
  • Liquidity: Generally, you can redeem your mutual fund investments anytime (subject to exit loads or lock-in periods, if any).

About SIP Calculator

Our SIP calculator is a tool designed to help you estimate the potential returns from your systematic investment plan in mutual funds. By inputting your monthly investment, expected rate of return, investment duration, and any yearly increase (step-up), you can get an idea of the future value of your investments.

Disclaimer: This calculator provides estimates for illustrative purposes only and does not guarantee any returns. Actual returns from mutual fund investments are subject to market risks and can vary based on the performance of the underlying assets and other economic factors. Please read all scheme-related documents carefully before investing. Consult with a financial advisor for personalized advice.