Free Online Tool

SIP Calculator Online

Plan your wealth-building journey ”” estimate returns, compare strategies, and build a personalised investment plan to achieve your financial goals.

Monthly Investment

₹

Expected Annual Return

1%30%

Investment Duration

Yrs

1 yr40 yrs

Investment Summary

Total Invested₹12.00 L

Estimated Returns₹10.40 L

Total Value₹22.40 L

Invested (54%)Returns (46%)

Year-wise Growth

Yr 1: ₹1.28 L

Yr 2: ₹2.71 L

Yr 3: ₹4.31 L

Yr 4: ₹6.10 L

Yr 5: ₹8.11 L

Yr 6: ₹10.36 L

Yr 7: ₹12.88 L

Yr 8: ₹15.70 L

Yr 9: ₹18.86 L

Yr 10: ₹22.40 L

What is a SIP?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. You contribute weekly, monthly, or quarterly, and the money grows through compounding, building value over time. It is a great investment instrument with much lower risks compared to trading stocks and better returns than bank savings.

Imagine two friends ”” Asha saves ₹5,000 every month in a regular savings account. Even after five years, her balance grows only slightly because the bank offers very low interest. Rohan, on the other hand, invests the same ₹5,000 every month through a SIP. Over time, compounding makes his money grow at a much faster pace. Even though both invest the same amount, Rohan ends up with a much larger corpus because SIP harnesses the power of compounding.

How Does a SIP Calculator Work?

SIP calculations are based on monthly compounding. The formula used:

M = P Ã— [(1 + i)ⁿ − 1] / i Ã— (1 + i)

M = Maturity value (total future value)
P = Monthly investment amount
n = Total number of monthly installments
i = Monthly rate of return = (1 + Annual Return)^1/12 − 1

Types of SIP Calculator

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Monthly SIP

The most common format ”” invest a fixed amount every month. Compounding applies monthly, making it ideal for salaried individuals.

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Step-Up SIP

Increase your SIP amount annually (aligned with salary increments). Dramatically increases your final corpus compared to flat SIP.

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Lump Sum + SIP

Combine a one-time lump sum investment with regular SIPs. Evaluate returns when you invest a big amount initially plus monthly SIPs.

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Goal-Based SIP

Plan SIP based on a financial goal ”” buying a house, child education, or retirement. Find required monthly SIP to reach your goal.

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SIP Return (XIRR)

Calculate actual returns on real-life SIP investments where dates and amounts may vary. Shows actual return percentage.

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SIP Delay Calculator

See how delaying SIPs by even a few months affects long-term wealth. Understand the cost of starting late.

Benefits of SIP Investing

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Rupee Cost Averaging

Investing fixed amounts during different market levels reduces the average purchase cost of units.

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Power of Compounding

Your returns get reinvested, increasing the final value exponentially over time.

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Goal Tracking

Measure progress against financial targets like education, retirement, or property.

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No Timing Pressure

Invest through all market conditions. Spreads risk and avoids emotional decisions.

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Saving Discipline

Create a routine that supports long-term financial planning with regular contributions.

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Inflation Protection

Long-term SIP returns help beat inflation when invested for extended periods.

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Salaried-Friendly

Monthly income aligns perfectly with monthly SIP contributions from your salary.

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Flexible & Simple

Start with as low as ₹100/month. Increase, pause, or stop anytime without penalties.

How to Use Our SIP Calculator

Choose Your SIP Type

Select Monthly SIP, Step-Up SIP, or Lump Sum from the tabs above.

Enter Investment Amount

Use the slider or type your monthly investment amount. Use presets for quick selection.

Set Expected Return Rate

Choose an expected annual return rate. Equity funds typically deliver 12-15% CAGR historically.

Select Duration

Choose your investment time horizon from 1 to 40 years.

View Results

See your total investment, estimated returns, total value, and year-wise growth chart instantly.

Compare Scenarios

Adjust inputs to study different outcomes and find the strategy that best fits your goals.

Frequently Asked Questions

What is the minimum amount to start a SIP?

Most mutual funds in India allow SIP investments starting from ₹100 to ₹500 per month. Our calculator supports amounts from ₹500 onwards.

What return rate should I use for SIP calculations?

For equity mutual funds, 12-15% CAGR is a reasonable historical benchmark. For balanced funds, use 9-12%. For debt funds, 6-8% is standard. Past returns do not guarantee future performance.

Is SIP better than lump sum investing?

SIP reduces timing risk through rupee cost averaging and builds investment discipline. Lump sum can give higher returns in a consistently rising market. Many investors use a combination of both strategies.

What is a Step-Up SIP?

A Step-Up SIP automatically increases your monthly contribution by a fixed percentage each year ”” typically aligned with your salary increment. This dramatically increases your final corpus compared to a flat SIP.

Are SIP returns guaranteed?

No. SIP returns depend on market performance and the type of mutual fund chosen. The calculator provides estimates based on assumed return rates. Actual returns may vary.

Can I stop or pause my SIP anytime?

Yes. SIPs are flexible ”” you can increase, decrease, pause, or stop your SIP at any time without any exit penalties (though some funds may have exit loads for early redemption).

How is SIP different from a recurring deposit?

SIP invests in mutual funds (market-linked, potentially higher returns), while RD invests in bank deposits (fixed returns, lower risk). SIP offers better long-term wealth creation potential but comes with market risk.

Need Help With Financial Planning?

Our experts can help you choose the right mutual funds and create a personalized SIP strategy for your financial goals.

Talk to Our Experts