SIP Calculator
Calculate the returns on your Systematic Investment Plan (SIP) with compounding.
How SIP Works
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. The power of SIP lies in rupee cost averaging and compounding returns.
SIP Formula
M = P × [(1 + r)ⁿ - 1] / r × (1 + r)
Where: P = Monthly SIP, r = Monthly rate = Annual rate/12/100, n = Total months
Where: P = Monthly SIP, r = Monthly rate = Annual rate/12/100, n = Total months
Example
₹5,000/month SIP at 12% for 10 years: Total invested = ₹6,00,000. Maturity value ≈ ₹11.61 lakhs. Wealth gained ≈ ₹5.61 lakhs.
Frequently Asked Questions
What is a good SIP return rate to assume?
For equity mutual funds, 10–14% p.a. is a reasonable historical average. Debt funds typically return 6–8%. For conservative planning, use 10–11%.
Can I stop or change my SIP amount?
Yes, most mutual funds allow you to pause, stop, or step up your SIP at any time without penalty.
Is SIP return guaranteed?
No — SIP in mutual funds is subject to market risk. This calculator shows estimates based on constant return rates.
What is Step-Up SIP?
A Step-Up SIP lets you increase your monthly investment amount each year (e.g., by 10%), significantly boosting your final corpus.