SIP Calculator
Calculate your Systematic Investment Plan returns
Estimate how much wealth your monthly SIP can create over time. Adjust the amount, expected return rate, and time period to see your projected corpus.
What is a SIP?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. Instead of investing a large lump sum at once, SIP lets you invest small amounts periodically, which averages out the cost of your investments over time — a concept known as rupee cost averaging.
SIPs are one of the most popular investment methods in India, with over 9.7 crore SIP accounts as of 2026. They combine the power of compounding with the discipline of regular investing, making them ideal for long-term wealth creation.
The key advantage of SIP is that you don't need to time the market. When markets are down, your fixed amount buys more units. When markets are up, your existing units appreciate. Over time, this averaging effect can significantly boost your returns.
How to Use This SIP Calculator
- Enter your monthly SIP amount — the fixed amount you plan to invest each month (minimum ₹500)
- Set your expected annual return rate — equity mutual funds in India have historically delivered 12-15% over 10+ years
- Choose your investment time period — longer periods benefit more from compounding (10+ years recommended)
- View your projected total value, broken down into invested amount and estimated returns
SIP Formula
Where:
- FV = Future value of your SIP
- P = Monthly SIP amount
- r = Monthly rate of return (annual rate / 12 / 100)
- n = Total number of months
Example: If you invest ₹5,000/month at 12% annual return for 10 years: r = 0.01, n = 120. Your invested amount would be ₹6,00,000 and the estimated corpus would be approximately ₹11,61,695.
SIP Investment Tips
- Start early: Even small SIPs started in your 20s can grow into crores by retirement, thanks to compounding
- Increase annually: Use a step-up SIP — increase your SIP by 10-15% every year to match your income growth
- Stay invested during crashes: Market dips are your friend in SIP — you buy more units at lower prices
- Choose direct plans: Direct mutual fund plans have lower expense ratios (0.5-1% less), which compounds into significantly higher returns
- Use ELSS for tax saving: ELSS funds qualify for ₹1.5 lakh deduction under Section 80C, making your SIP a tax-saving tool too
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