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SIP Calculator

Calculate returns on your Systematic Investment Plan in mutual funds

Last Updated: July 2026
Amount invested every month via SIP
Expected yearly return on mutual fund
How long you plan to continue SIP
Total Invested
—
Your contributions
Estimated Returns
—
Wealth from compounding
Total Value
—
Invested + Returns

Growth Over Time

Yearly Breakdown

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What Is a SIP Calculator?

A SIP Calculator estimates the future value of mutual fund investments made through regular monthly contributions. SIP is one of the most popular investment methods in India, allowing you to invest a fixed amount every month in equity, debt, or hybrid mutual fund schemes.

Our calculator uses the future value of annuity formula to compute your expected corpus, factoring in the power of compounding. Whether investing ₹5,000 or ₹1,00,000 per month, this tool shows exactly how wealth grows over time.

SIP Return Formula

FV = P × [{(1 + r)n − 1} / r] × (1 + r)
P = Monthly investmentr = Monthly return rate (annual ÷ 12 ÷ 100)n = Total months

Frequently Asked Questions

What is SIP?
SIP (Systematic Investment Plan) lets you invest a fixed amount regularly in mutual funds. It provides rupee cost averaging and the power of compounding without timing the market.
How are SIP returns calculated?
Using the future value of annuity formula: FV = P × [{(1+r)^n −1}/r] × (1+r). Each monthly investment compounds for the remaining tenure.
What is a good return rate for SIP?
Equity mutual funds in India have historically delivered 10-15% annualized returns over 10+ years. Large-cap funds give 10-12%, mid/small-cap can deliver 12-15%+.
Is SIP better than lumpsum?
SIP is better for salaried individuals investing from monthly income. It provides rupee cost averaging. Lumpsum is better when you have a large corpus and markets are low.
What is the minimum SIP amount?
Most mutual fund schemes allow SIPs from ₹500/month. Some even allow ₹100 monthly investments, making investing accessible to everyone.

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