SIP Calculator
Project the maturity value of a monthly systematic investment plan.
Your inputs
Assumes contributions at the start of each month and a constant annual return.
Estimates only. Figures are indicative and do not constitute financial advice.
About the SIP Calculator
A SIP calculator is probably the single most-searched financial tool in India — everyone from first-time investors to seasoned SIP veterans wants to know "if I invest ₹X every month for Y years at Z% returns, how much will I have?" That's exactly what this SIP calculator (systematic investment plan calculator) works out, using the same future-value-of-annuity formula that mutual fund platforms and financial advisors use.
A SIP lets you invest a fixed amount every month into a mutual fund instead of a lumpsum, which averages out market ups and downs over time (rupee cost averaging) and builds the habit of disciplined investing. This calculator assumes your contribution happens at the start of each month and compounds at a constant annual return you specify — a reasonable long-term equity mutual fund assumption is 10-12% per year, though actual returns vary with market conditions and fund choice. Use it to plan a SIP for a specific goal (a house down payment, your child's education, retirement), to compare how increasing your monthly SIP amount or investment tenure changes your final corpus, or simply to see how much of your maturity value came from your own contributions versus compounding returns. It works for any SIP — equity mutual funds, index funds, ELSS, or even recurring gold/debt fund SIPs — since the underlying math is the same regardless of what you're investing in.
How to use this calculator
- Enter your monthly SIP investment amount.
- Set your expected annual return percentage.
- Set how many years you plan to stay invested.
- See your total invested amount, estimated returns, and maturity value.
Frequently asked questions
›What is a SIP and how does it work?
A SIP (Systematic Investment Plan) is a fixed amount invested every month into a mutual fund. It builds discipline and averages your purchase cost over time instead of timing the market with a lumpsum.
›What return rate should I use in a SIP calculator?
There's no guaranteed rate — equity mutual funds have historically delivered roughly 10-12% annually over the long term in India, but returns aren't fixed and can vary significantly year to year.
›How is SIP maturity value calculated?
Using the future value of an annuity formula, assuming each monthly instalment compounds at your expected monthly return rate until the end of the investment period.
›Is SIP better than a lumpsum investment?
SIP suits investors who want to invest gradually from monthly income and reduce timing risk, while a lumpsum can work better if you already have a large sum and markets are reasonably valued. Neither is universally "better" — it depends on your cash flow and risk appetite.
›Can I increase my SIP amount every year?
Yes, many investors use a "step-up SIP" that increases the monthly amount annually in line with income growth — this calculator shows a fixed monthly SIP, so re-run it with a higher amount to see the step-up effect.
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