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SIP Calculator

Calculate your Systematic Investment Plan returns

8% (Conservative) 10% (Moderate) 12% (Balanced) 15% (Aggressive)
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Quick Examples

SIP Calculator by Monthly Amount

₹1,000 SIP ₹2,000 SIP ₹5,000 SIP ₹10,000 SIP ₹15,000 SIP ₹20,000 SIP ₹25,000 SIP ₹50,000 SIP

SIP Calculator by Tenure

5 Years SIP 10 Years SIP 15 Years SIP 20 Years SIP 25 Years SIP 30 Years SIP

SIP Calculator by Return Rate

8% Returns 10% Returns 12% Returns 15% Returns

How SIP Calculator Works

  1. Enter Monthly Investment: Amount you can invest each month
  2. Select Investment Period: Duration in years (longer = more wealth)
  3. Choose Expected Returns: Based on fund type and market conditions
  4. Get Instant Results: See maturity amount, total investment, and wealth gained

SIP Calculation Formula

Future Value of SIP Formula: 
FV = P × ((1 + r)^n - 1) / r × (1 + r)

Where:
P = Monthly Investment
r = Monthly Return Rate (Annual ÷ 12 ÷ 100)
n = Number of Months (Years × 12)

Example: ₹5,000/month for 10 years @12% = ₹11.62 Lakhs

Benefits of Using SIP Calculator

  • ✓ Goal Planning: Calculate required SIP for financial goals
  • ✓ Compare Returns: See impact of different return rates
  • ✓ Time Value: Understand power of long-term compounding
  • ✓ Free & Unlimited: No sign-up or limits
  • ✓ Mobile Friendly: Works on all devices

Power of Compounding (₹5,000/month @12%)

PeriodTotal InvestmentMaturity AmountWealth Gained
5 Years₹3,00,000₹4,12,432₹1,12,432
10 Years₹6,00,000₹11,62,000₹5,62,000
15 Years₹9,00,000₹25,20,000₹16,20,000
20 Years₹12,00,000₹49,95,000₹37,95,000
30 Years₹18,00,000₹1,76,00,000₹1,58,00,000

Expected Returns by Fund Type

Large Cap Funds10-12%
Mid Cap Funds12-15%
Small Cap Funds15-18%
Flexi Cap Funds12-15%
Index Funds10-12%
Debt Funds6-8%
Hybrid Funds8-10%

Frequently Asked Questions

What is a good SIP return rate?
Historically, equity mutual funds have delivered 10-15% returns over long term. 12% is considered a reasonable expected return for long-term SIPs in diversified equity funds.
How much will ₹5,000 monthly SIP grow in 20 years?
At 12% annual returns, ₹5,000/month SIP for 20 years will grow to approximately ₹49.95 lakhs. Total investment: ₹12 lakhs, wealth gain: ₹37.95 lakhs.
What is the minimum SIP amount?
Most mutual funds allow SIP starting from ₹500 per month. Some funds have minimum ₹1,000. Use our calculator to see returns for any amount.
Can I increase my SIP amount later?
Yes, most funds allow SIP top-ups or step-up SIPs. You can increase your monthly investment by a fixed amount or percentage each year.
Is SIP better than lump sum?
SIP is better for volatile markets as it averages out purchase cost (rupee cost averaging). Lump sum may be better in consistently rising markets. SIP is recommended for most retail investors.
Is this SIP calculator free?
Yes, completely free! No sign-up, no credit card, no hidden fees. Your calculations are private and stay in your browser.

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🔒 Privacy Guarantee: Your SIP calculations never leave your browser. We don't store any information. 100% private and secure.

SIP vs Lumpsum Investment Comparison

SIP Investment

Invest ₹5,000 monthly for 20 years @12%
Total Investment: ₹12,00,000
Final Value: ₹49,95,000
Wealth Gain: ₹37,95,000

Lumpsum Investment

Invest ₹12,00,000 one-time for 20 years @12%
Total Investment: ₹12,00,000
Final Value: ₹1,15,75,000
Wealth Gain: ₹1,03,75,000

Key Insight: While lumpsum gives higher absolute returns, SIP reduces market timing risk and is more affordable for regular investors.

Start Your Wealth Creation Journey

Use our SIP calculator to plan your monthly investments and achieve financial freedom

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