SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP) — see total invested, estimated returns, and wealth gained.
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How to use this calculator
- 1
Enter the amount you plan to invest every month.
- 2
Set the expected annual return — equity mutual funds have historically returned 10–14% p.a. in India over the long term.
- 3
Enter the number of years you plan to stay invested.
- 4
The calculator shows your corpus, total invested, and the returns generated by compounding.
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 uses rupee cost averaging — you buy more units when prices are low and fewer when prices are high — reducing timing risk.
What annual return should I use?
Equity mutual funds in India have historically returned 10–15% p.a. over 10+ year periods. Debt funds return 6–8%. For planning purposes, 10–12% is a conservative estimate for diversified equity funds. Past returns don't guarantee future results.
Is SIP better than a lump sum investment?
SIP is better when markets are volatile — it averages your purchase cost over time. Lump sum can outperform in consistently rising markets. Most investors benefit from SIP due to the discipline it enforces and the elimination of timing risk.
Can I increase my SIP amount over time?
Yes — many fund houses offer a "step-up SIP" or "top-up SIP" feature where your monthly amount increases by a fixed percentage each year, often aligned to your salary hikes. This significantly boosts the final corpus.
SIP Calculator — How much will your monthly investment grow?
How to use the sip calculator
Use this sip calculator to he future value of your systematic investment plan (sip) — see total invested, estimated returns, and wealth gained. Enter your values above and get your result in seconds. The tool is free, works on all devices, and keeps your data private — nothing is stored or shared.
How the sip calculator works
The sip calculator uses standard formulas used in financial planning, budgeting, and investment decisions. Enter your inputs, and the tool calculates the result instantly in your browser. No server-side processing means your data stays on your device. Results update in real time as you change inputs.
The power of compounding in SIP
A ₹10,000 monthly SIP at 12% p.a. for 10 years gives a corpus of ₹23.2 lakh on a total investment of ₹12 lakh — nearly doubling your money. Extend to 20 years and the corpus reaches ₹99.9 lakh on ₹24 lakh invested. The longer you stay invested, the more disproportionate the gains from compounding.
SIP vs Fixed Deposit
Fixed deposits (FDs) in India return 6–7.5% p.a. (2024 rates). A ₹10,000 monthly FD for 10 years returns approximately ₹16.7 lakh. The same SIP in an equity fund at 12% returns ₹23.2 lakh. The higher return comes with higher short-term volatility — suitable for goals 5+ years away.
Tax on SIP returns
Equity mutual fund returns held over 1 year are taxed as Long-Term Capital Gains (LTCG) at 12.5% beyond ₹1.25 lakh per year (post-Budget 2024). Debt fund returns are added to income and taxed at your slab rate. ELSS funds qualify for ₹1.5L deduction under 80C.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →