Investment
SIP Calculator
Calculate returns on monthly SIP investments
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Total Invested—
Est. Returns—
Maturity Value—
Invested
Returns
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| Conservative (₹3,000/month, 8%, 10 yrs) | Maturity: ₹5.50 lakh |
| Moderate (₹5,000/month, 12%, 15 yrs) | Maturity: ₹25.23 lakh |
| Aggressive (₹10,000/month, 15%, 20 yrs) | Maturity: ₹1.52 crore |
How It Works
Formula, methodology and key concepts explained
A Systematic Investment Plan (SIP) is one of the most disciplined ways to invest in mutual funds. Instead of investing a lump sum, you invest a fixed amount every month — regardless of market levels. This gives you the power of compounding over time.
How SIP Compounding Works
Each month's investment earns returns on its own. Over 10–20 years, even modest monthly investments can create significant wealth because earlier months have more time to compound.
Key Benefits of SIP
- Rupee Cost Averaging: You buy more units when markets are low, fewer when high — automatically averaging out your cost.
- Discipline: Auto-debit ensures you invest without emotional interference.
- Flexibility: Start with as little as ₹500/month. Stop, pause or increase anytime.
- Power of Compounding: Returns on returns — the longer you stay invested, the larger the wealth creation.
Pro Tips for Investment
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Frequently Asked Questions
Common questions about SIP Calculator
- SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. It averages your purchase cost through market ups and downs — a strategy called rupee cost averaging.
- SIP returns use the compound interest formula: M = P × [(1+r)^n – 1]/r × (1+r), where P is monthly investment, r is monthly rate (annual rate/12), and n is total months.
- Equity mutual funds in India have delivered 12–15% CAGR over long periods. Debt funds give 6–8%. For planning, use 10–12% for equity SIPs — it is conservative yet realistic.
- Yes — this is called a Step-Up SIP. Increasing your SIP by 10% every year significantly boosts returns. Use our Step-Up SIP Calculator to model this.
Key Numbers to Know
Benchmark figures for Investment planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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