SIP Calculator
Calculate your mutual fund SIP returns, total investment value & wealth gained over time.
SIP Calculator
Total Value
₹0
Total Invested
₹0
Wealth Gained
₹0
Year-wise SIP Growth
| Year | Invested | Returns | Total Value |
|---|
SIP Returns by Investment Tenure
Example: ₹10,000 monthly SIP at an assumed 12% annual return
These figures are illustrative estimates based on a constant assumed return rate of 12% per year. Mutual fund returns are market-linked and actual returns may be higher or lower.
| Tenure | Total Invested | Estimated Returns | Estimated Value |
|---|
* Values are illustrative calculations and should not be considered guaranteed investment returns.
SIP Calculator
Estimate your mutual fund SIP investment, projected returns and potential maturity value.
A SIP Calculator helps you estimate how much your regular mutual fund investments could grow over a selected period. You can enter your monthly SIP amount, expected annual return and investment duration to estimate your total investment, projected returns and future value.
SIP stands for Systematic Investment Plan. Instead of investing a large amount at one time, investors contribute a fixed amount at regular intervals, commonly every month, into a mutual fund scheme.
The calculator uses an assumed rate of return to provide an estimate. Since mutual funds are market-linked investments, the actual value of your investment can be different from the calculated amount.
Total Investment
Shows the total amount you contribute through your monthly SIP during the selected investment period.
Estimated Returns
Shows the difference between the estimated future value and the amount invested.
Future Value
Provides an estimate of the total value of your SIP investment at the end of the selected period.
SIP Calculation Formula
A commonly used mathematical formula for estimating the future value of a regular monthly SIP is:
The exact calculation convention may vary depending on the timing of the SIP contribution. This calculator uses its own defined calculation methodology consistently for all results.
SIP Calculator Example
Suppose you invest ₹10,000 per month through a SIP for 10 years and use an assumed annual return of 12%.
Monthly SIP
₹10,000
Investment Period
10 Years
Total Invested
₹12,00,000
Estimated Value*
₹23,23,391
*Illustrative estimate using a 12% assumed annual return and monthly compounding/contribution convention. Actual mutual fund returns are market-dependent.
The Power of Compounding in SIP
One of the major reasons investors consider long-term SIP investing is the potential effect of compounding. When returns remain invested, future growth can occur on both the original contributions and the accumulated gains.
The effect generally becomes more noticeable as the investment period increases. However, compounding does not mean that mutual fund returns are guaranteed. Market-linked investments can experience periods of both gains and losses.
5 Years
₹6,00,000 invested
≈ ₹8.17 Lakh*
At an assumed 12% return
15 Years
₹18,00,000 invested
≈ ₹50.45 Lakh*
At an assumed 12% return
25 Years
₹30,00,000 invested
≈ ₹1.88 Crore*
At an assumed 12% return
*Illustrative values for ₹10,000 monthly SIP at an assumed 12% annual return. Actual returns can differ significantly.
Benefits of Investing Through SIP
Regular Investing
SIP helps investors invest a predetermined amount at regular intervals instead of relying on occasional lump-sum investments.
Rupee-Cost Averaging
When the investment amount remains fixed, more mutual fund units may be purchased when prices are lower and fewer when prices are higher. This can help average the purchase cost over multiple investments.
Investment Discipline
Regular contributions can help create a consistent investment habit and make long-term financial planning easier.
Flexible Investment Amount
Depending on the mutual fund and platform, investors may be able to start with relatively small SIP amounts and increase their contribution over time.
Long-Term Wealth Building
A longer investment horizon gives contributions more time to participate in potential market growth and compounding.
What is a Step-Up SIP?
Increase your SIP contribution gradually as your income grows.
A Step-Up SIP, also called a Top-Up SIP, allows you to increase your SIP contribution periodically. For example, you could increase a ₹10,000 monthly SIP by 10% every year.
Increasing your investment amount can significantly increase the total amount invested over a long period. The resulting corpus will also depend on the return rate and investment duration.
Regular SIP
Starting SIP
₹10,000/month
Step-Up SIP
Starting SIP
₹10,000/month
A Step-Up SIP can be useful when your income is expected to increase over time. However, the higher contribution should remain affordable within your overall financial plan.
SIP vs Lump-Sum Investment
Two different ways of investing in mutual funds
| Feature | SIP | Lump Sum |
|---|---|---|
| Investment frequency | Regular | One-time |
| Market timing requirement | Spread across time | More dependent on entry point |
| Regular savings habit | ✓ | — |
| Requires large initial capital | Usually no | Yes |
SIP and lump-sum investments can both be suitable depending on your financial situation, investment horizon, risk tolerance and available capital. SIP does not eliminate market risk.
Are SIP Returns Guaranteed?
No. A SIP is a method of investing regularly; it does not guarantee a fixed return. The actual performance depends on the mutual fund scheme, market conditions and the underlying securities in the fund.
The return rate entered into this calculator is an assumption for estimation only. Actual investment results may be significantly different.
Taxation on SIP Investments
Tax treatment depends on the type of mutual fund and applicable tax rules.
SIP investments in mutual funds may be subject to capital gains tax when units are redeemed. The applicable tax treatment depends on factors such as the type of mutual fund, holding period, date of acquisition and the tax rules applicable at the time of sale.
Important point for SIP investors
Each SIP instalment represents a separate investment. Therefore, different instalments can have different acquisition dates and holding periods when units are eventually redeemed.
Tax rules can change. This calculator does not calculate your actual tax liability. For tax planning or filing decisions, refer to current government rules or consult a qualified tax professional.
Frequently Asked Questions About SIP
Common questions about SIP investments and SIP calculations.
Related Financial Calculators
Explore more tools to plan and compare your investments.
Disclaimer
This SIP calculator is provided for educational and informational purposes only. The results are estimates based on the inputs and assumed rate of return entered by the user. Mutual fund investments are subject to market risks and actual returns may vary. The calculator does not constitute investment, financial or tax advice. Please consider your financial objectives and risk profile and consult a qualified professional where appropriate.