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  1. Home
  2. Calculators
  3. SIP Calculator

SIP Calculator

Find out how your monthly SIP investments grow with compound interest over time

Enter Details

₹10,000
₹500₹1L
12%
1%30%
10 years
1 yr40 yrs

Results

Total Corpus

₹23,23,391

Amount Invested

₹12,00,000

Wealth Gained

₹11,23,391

What is a SIP Calculator?

A SIP calculator helps you estimate the maturity amount of your Systematic Investment Plan (SIP) in mutual funds. By entering your monthly investment amount, expected annual return, and investment duration, you can instantly see how your money will grow over time.

SIP is one of the most popular investment methods in India because it allows you to start with as little as ₹500 per month and benefit from the power of compounding. Over 10-15 years, even small monthly investments can create significant wealth.

The Power of SIP: Real Examples

Monthly SIP10 Years (12% p.a.)15 Years (12% p.a.)20 Years (12% p.a.)
₹5,000₹11.6L₹25.2L₹49.9L
₹10,000₹23.2L₹50.5L₹99.9L
₹20,000₹46.5L₹1.0Cr₹1.99Cr
₹50,000₹1.16Cr₹2.51Cr₹4.99Cr

Benefits of SIP Investing

  • Rupee-cost averaging: You buy more units when markets are down and fewer when they are up, reducing average cost
  • Power of compounding: Returns are reinvested, leading to exponential growth over time
  • Disciplined saving: Automatic deductions create a savings habit without manual effort
  • Flexibility: Pause, stop, or increase your SIP amount anytime
  • Low minimum amount: Start with just ₹500/month

Frequently Asked Questions

What is SIP?

SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund scheme regularly — weekly, monthly, or quarterly. It allows you to invest small amounts and benefit from rupee-cost averaging and the power of compounding.

How is SIP return calculated?

SIP returns use the future value of annuity formula: FV = P × ((1 + r)^n − 1) / r × (1 + r), where P is monthly investment, r is monthly return rate (annual rate / 12 / 100), and n is number of months.

Is SIP better than lump sum investment?

SIP is generally better for regular investors as it removes market timing risk through rupee-cost averaging. However, lump sum can outperform in a consistently rising market. A combination of both strategies often works best.

What is a realistic SIP return expectation?

Equity mutual funds have historically delivered 10-15% annualised returns over long periods in India. Debt funds typically return 6-8%. ELSS funds average 12-14%. Past performance does not guarantee future returns.