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HomeToolsCalculatorsSIP Calculator

SIP Calculator

A SIP calculator helps you estimate the future value of disciplined monthly mutual fund investments based on compounding interest and expected annual returns.

Quick Monthly SIP:

Invested Amount

₹600,000

Est. Wealth Gained

+ ₹561,695

Expected Total Value

₹1,161,695

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What is a Systematic Investment Plan (SIP) Calculator?

A SIP calculator helps you estimate the future value of disciplined monthly mutual fund investments based on compounding interest and expected annual returns.

SIP enables rupee cost averaging and long-term compounding, making it one of the most effective tools for wealth creation, retirement planning, and goal funding.

Frequently asked questions

What is the formula used in SIP calculation?
The SIP maturity formula is: M = P × ({[1 + i]^n - 1} / i) × (1 + i), where P is the periodic monthly investment, i is the periodic rate of interest (annual rate / 12 / 100), and n is the total number of monthly payments.
What is a realistic expected return for an equity mutual fund SIP in India?
Historically, broad Indian equity indices (Nifty 50, Sensex) have delivered between 12% to 14% annualized returns over 10+ year periods. However, mutual fund returns are subject to market risks and are not guaranteed.
Can I increase my SIP amount over time?
Yes, a 'Step-up SIP' allows you to increase your investment amount annually (e.g. by 10% each year as your income grows), significantly boosting your final corpus.

Sources

  • Association of Mutual Funds in India (AMFI)

How to calculate mutual fund SIP returns

  1. 1

    Set Monthly Investment

    Select how much you plan to invest every month (e.g. ₹5,000 or ₹10,000).

  2. 2

    Enter Expected Annual Return

    Choose your expected annual CAGR return percentage (historically 12–15% for diversified equity funds).

  3. 3

    Choose Investment Horizon

    Slide the tenure in years (e.g. 5, 10, 15, or 20 years).

  4. 4

    Review Maturity Value

    Examine total invested capital versus total wealth gained through compounding.