Free SIP Calculator

SIP Calculator — Systematic Investment Plan Returns

Calculate the future value of your SIP investments instantly. See how monthly investments grow over time with the power of compounding.

SIP Calculator

Calculate returns on your Systematic Investment Plan

Monthly Investment Amount (₹)

Expected Annual Return (%)

Investment Period (Years)

Step-Up Percentage (%)

Leave blank to disable Step-Up SIP.

Step-Up Frequency

• SIP helps in rupee cost averaging

• Ideal for long-term wealth creation

• Start with as low as ₹500 per month

Your SIP Results

Enter your details and click Calculate to see results

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What is a SIP Calculator?

A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your monthly mutual fund investments. By entering your monthly investment amount, expected annual return, and investment period, you can instantly see how much wealth you can build through disciplined, regular investing.

How Does the SIP Formula Work?

Our SIP calculator uses the industry-standard compounding formula used by major Indian financial institutions. The monthly rate is calculated as Annual Rate / 12. This ensures your results match the projections provided by AMFI and major mutual fund platforms.

Formula: FV = P × ((1 + r)ⁿ - 1) / r × (1 + r)
Where P = monthly investment, r = monthly rate (Annual Rate/12), n = total months

What is a Step-Up SIP (Top-up SIP)?

A Step-Up SIP allows you to increase your monthly investment amount periodically (usually once a year) by a fixed percentage. This is one of the most powerful wealth-building strategies because it aligns your investments with your increasing annual salary.

The "Step-Up" Impact:

If you start a SIP of ₹10,000 for 20 years at 12%, you end up with ₹99.91 Lakh. However, if you simply Step-Up your SIP by 10% every year, your final corpus jumps to ₹2.12 Crore.

Formula: FV = P × ((1 + r)ⁿ - 1) / r × (1 + r)
Where P = monthly investment, r = monthly rate, n = total months

Benefits of SIP Investment

Rupee Cost Averaging: Buy more units when markets are low, fewer when high — automatically averaging your cost over time.
Power of Compounding: Returns earned on your returns accelerate wealth creation significantly over long periods.
Disciplined Investing: Regular monthly investments build financial discipline and remove the temptation to time the market.
Flexibility: Start with as little as ₹500/month and increase your SIP amount as your income grows (Step-Up SIP).
Tax Efficiency: ELSS mutual funds via SIP qualify for ₹1.5 lakh deduction under Section 80C.

SIP vs Lumpsum — Which is Better?

SIP is generally better for salaried investors with a regular monthly income, as it spreads investment across market cycles. Lumpsum investments work better when you have a large corpus available and markets are at attractive valuations. Most financial advisors recommend SIP for long-term wealth creation because it removes the need to time the market.

Frequently Asked Questions

What is a good SIP return rate to assume?

Historically, diversified equity mutual funds in India have delivered 12-15% CAGR over 10+ year periods. For conservative planning, use 10-12%. For debt funds, use 6-8%.

What is the benefit of a Step-Up SIP?

Step-Up SIP beats inflation and lifestyle creep. By increasing your investment by just 5-10% annually, you can potentially double your final wealth compared to a fixed SIP, as it utilizes the "compounding of increases."

Should I stop my SIP when markets are falling?

No — stopping a SIP during a market crash is one of the most common and costly investing mistakes. When markets fall, your fixed SIP amount buys more units at lower prices, improving your average cost. The data from every major correction in Indian market history shows that investors who continued SIPs through downturns came out significantly ahead of those who stopped and restarted.

Is SIP calculator result guaranteed?

No. SIP calculations are estimates based on your assumed return rate. Actual mutual fund returns vary with market conditions. The calculator helps you plan — it does not guarantee outcomes.

How is real value different from total value?

Total value is the nominal (face) value of your investment. Real value adjusts for inflation (default 6%) to show what your money will actually be worth in today's purchasing power.