SIP Calculator
Calculate maturity amount for your Systematic Investment Plan.
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⚠️ Results are indicative only. Consult a qualified professional before making any decisions.
What is this Calculator?
A SIP (Systematic Investment Plan) Calculator helps you estimate the future value of your monthly mutual fund investments. By investing a fixed amount every month, you benefit from the power of compounding and rupee cost averaging — making SIP one of the most popular investment tools in India.
How to Use
1
Enter Monthly Investment: Type the amount you plan to invest every month (e.g. ₹5,000).
2
Enter Expected Return Rate: Enter the annual return rate you expect from the mutual fund (e.g. 12%).
3
Enter Time Period: Enter the number of years you plan to invest (e.g. 10 years).
4
View Results: The calculator instantly shows your Total Invested, Estimated Returns, and Maturity Value with a donut chart.
Frequently Asked Questions
SIP stands for Systematic Investment Plan. It is a method of investing a fixed amount regularly — usually monthly — into a mutual fund. It helps build wealth over time through the power of compounding.
SIP is generally better for salaried individuals as it spreads investment over time and reduces the risk of market timing. Lumpsum is better when markets are at a low point and you have a large sum available.
Historically, equity mutual funds in India have delivered 10–14% annual returns over the long term. A conservative estimate of 10–12% is typically used for SIP calculations.
Yes, most mutual funds allow you to increase or decrease your SIP amount. You can also use our Step-Up SIP Calculator to estimate returns when you increase your SIP annually.
No. SIP returns are market-linked and not guaranteed. The calculator provides an estimate based on an assumed constant rate of return, which may differ from actual returns.
SIP maturity is calculated using the formula: M = P × ((1+r)^n − 1) / r × (1+r), where P is monthly investment, r is monthly rate (annual rate ÷ 12), and n is total months.