A (Systematic Investment Plan) SIP Calculator is your smart financial companion that helps estimate potential returns from mutual fund investments. Whether you’re planning for retirement, your child’s education, or wealth creation, this tool projects how your monthly investments can grow over time with compounding returns. Simply enter your investment amount, expected annual returns, and tenure to see:
✔ Total amount invested
✔ Estimated wealth gained
✔ Final maturity value
Unlike volatile lump-sum investments, SIPs average out market risks through disciplined, periodic investing. Best suited for salaried individuals and long-term investors, SIPs allow you to start small (even ₹500/month) and benefit from Rupee Cost Averaging (RCA).
Our free SIP calculator eliminates guesswork—adjust inputs to compare different scenarios and make data-driven investment decisions. Start exploring today and take the first step towards financial freedom!
SIP Calculator Pro
Plan your investments with step-up SIPs, goal tracking, and more
Increase investment by this % yearly
Calculate opportunity cost of delaying
SIP Projection Results
Total Invested
₹0
Estimated Returns
₹0
Maturity Value
₹0
Yearly Projection
| Year | Invested | Returns | Total Value |
|---|
Comparison Results
With vs Without Step-Up
SIP vs Fixed Deposit
Inflation-Adjusted Value
What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator is an online tool that helps you estimate the potential returns from your mutual fund investments. By entering:
✔ Monthly Investment Amount
✔ Expected Return Rate (p.a.)
✔ Investment Tenure (Years)
It calculates:
- Total Invested Amount
- Estimated Returns
- Final Maturity Value
Why Use It?
- Plan long-term wealth creation
- Set realistic financial goals
- Compare different SIP scenarios
How Does a SIP Calculator Work?
The Math Behind SIP Returns
SIP investments benefit from compounding – where your returns generate more returns over time.
Formula Used:
Maturity Value = P × [ ( (1 + r)^n - 1 ) / r ] × (1 + r)
- P = Monthly SIP Amount
- r = Monthly Return Rate (Annual Rate ÷ 12)
- n = Total Number of Months
Example:
- Monthly SIP: ₹10,000
- Expected Return: 12% p.a.
- Tenure: 10 Years
- Maturity Value: ₹23.2 Lakhs (₹12L invested + ₹11.2L returns)
(Try our calculator below to see real-time results!)
Why SIP Investing is Better Than Lumpsum?
| Feature | SIP | Lumpsum |
|---|---|---|
| Risk | Lower (Rupee Cost Averaging) | Higher (Market Timing Risk) |
| Affordability | Start with ₹500/month | Requires large capital |
| Discipline | Automated monthly investing | One-time investment |
| Market Volatility | Reduces impact | Fully exposed |
Best For:
✅ Salaried professionals (fixed monthly savings)
✅ Long-term goals (Retirement, Child Education)
✅ Beginners (low-risk entry into mutual funds)
How to Use Our SIP Calculator?
Step 1: Enter Monthly Investment
- Start with what you can afford (₹500 to ₹1L+)
- Increase gradually with salary hikes
Step 2: Set Expected Returns
- Equity Funds: 10-15% p.a.
- Hybrid Funds: 8-12% p.a.
- Debt Funds: 6-8% p.a.
Step 3: Choose Tenure
- Short-term (1-3 Years): Debt Funds
- Mid-term (3-7 Years): Hybrid Funds
- Long-term (7+ Years): Equity Funds
Step 4: Analyze Results
- Adjust inputs to see different scenarios
- Export report for future reference
5 SIP Strategies to Maximize Returns
1. The 15×15×15 Rule
- Invest ₹15,000/month
- For 15 years
- At ~15% return → ₹1 Crore+
2. Step-Up SIP
- Increase investment by 10% yearly
- Example: ₹5,000 → ₹5,500 next year
- Boosts returns by 25-30%
3. Sector Rotation SIP
- Shift between trending sectors (Tech, Pharma, etc.)
- Requires active monitoring
4. Multi-Fund SIP
- Diversify across 3-4 fund categories
- Reduces dependency on one asset
5. Goal-Based SIP
| Goal | SIP Amount | Tenure | Fund Type |
|---|---|---|---|
| Down Payment | ₹25,000 | 5 Years | Hybrid |
| Child’s MBA | ₹15,000 | 15 Years | Equity |
| Retirement | ₹30,000 | 20 Years | Index Fund |
Common SIP Mistakes to Avoid
❌ Stopping SIPs in Market Downturns (Miss buying cheap units)
❌ Chasing Past Returns (High returns ≠ Future performance)
❌ Ignoring Expense Ratios (Even 1% extra fee cuts lakhs in long term)
❌ Too Many SIPs (Hard to track beyond 6-8 funds)
Tip: Review SIPs every 6 months. Switch underperformers, but stay invested.
SIP vs. Other Investments
| Investment | Avg. Returns | Risk | Liquidity | Tax Benefits |
|---|---|---|---|---|
| SIP (Equity) | 12-15% | Medium | High | LTCG Tax >1L |
| FD/RD | 5-7% | Low | Medium | Interest Taxable |
| Gold | 8-10% | Medium | High | No 80C Benefit |
| Real Estate | 10-12% | High | Low | Capital Gains Tax |
Winner: SIP for long-term wealth creation with tax efficiency.
Start Your SIP Today!
Why Wait?
- ₹10,000/month at 12% = ₹1.5 Crore in 20 Years
- The earlier you start, the more compounding works for you
Action Plan:
- Use our SIP Calculator to find your number
- Pick a top-rated fund (Check SEBI ratings)
- Set up auto-debit (Never miss an installment)
“Small drops make the ocean. Start your SIP journey today!”