SIP Calculator
Calculate how your monthly SIP investments grow over time. Free, instant, and accurate — no sign-up required.
Estimated Maturity Value
₹23.23 L
At 12% p.a. over 10 years
* Returns are estimated using compound interest. Actual mutual fund returns vary and are not guaranteed. Past performance is not indicative of future results.
How Does SIP Work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Instead of timing the market, you invest consistently — averaging out purchase costs (rupee cost averaging) and benefiting from compound growth over time.
01
Choose an amount
Decide how much to invest monthly — start from ₹500.
02
Pick your timeline
SIPs work best over 5+ years. 10–20 years maximises compounding.
03
Stay consistent
Don't stop during market dips — that's when you buy the most units.
Frequently Asked Questions — SIP Calculator
What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator is a free online tool that helps you estimate the future value of your monthly mutual fund investments. It uses the compound interest formula to show how your wealth grows over time with regular monthly investing.
How is SIP return calculated?
SIP returns are calculated using the formula: FV = P × [(1+r)^n − 1] / r × (1+r), where P is monthly investment, r is monthly interest rate (annual rate ÷ 12 ÷ 100), and n is total number of months. The result shows your estimated maturity amount.
What is a realistic SIP return rate to assume for India?
For large-cap equity mutual funds in India, a return rate of 10–12% CAGR is considered realistic for 10+ year horizons. Mid-cap funds have historically delivered 13–15% CAGR over long periods. Index funds (Nifty 50) have averaged ~12% over the last 20 years.
What is the minimum SIP amount in India?
Most mutual fund houses in India allow SIPs starting from ₹100–₹500 per month. However, to build meaningful wealth, financial planners recommend investing at least ₹5,000–₹10,000 per month depending on your income and goals.
Can I change my SIP amount?
Yes. Most fund houses and investment platforms allow you to increase, decrease, pause, or stop your SIP anytime without any penalty. The Step-Up SIP feature automatically increases your SIP amount by a fixed percentage (usually 10%) every year.
Is SIP better than FD for long-term investment?
For horizons of 5 years or more, equity SIPs have historically outperformed Fixed Deposits significantly. FD rates in India are 6–7.5% (taxable), while equity SIP returns average 10–14% CAGR over long periods. However, SIP returns are market-linked and not guaranteed.
Track Your Real SIP Performance
This calculator shows projections. To see your actual XIRR and portfolio performance, import your mutual fund statement into WealthAnalytics — free, private, and instant.
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