SIP Calculator
Project the future value of monthly mutual fund investments with the power of compounding.
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator helps you estimate the future value of regular monthly investments in mutual funds. It uses the power of compounding to show how small, consistent investments can grow into significant wealth over time.
SIP Formula Used
The future value of a SIP is calculated using the compound interest formula for recurring deposits:
Where: P = monthly investment, r = monthly rate (annual rate ÷ 12), n = total months
How to use this SIP Calculator
Enter your monthly SIP amount, the expected annual return rate (historically Indian equity mutual funds have returned 10–15% over the long term), and the investment period in years. The calculator instantly shows your invested amount, estimated returns, and total corpus.
SIP vs Lump Sum — which is better?
SIPs are generally recommended for salaried investors because they average out market volatility through rupee cost averaging — you buy more units when prices are low and fewer when prices are high. Lump sum investments work better when markets are at a significant low point. For most retail investors, a monthly SIP is the more disciplined and lower-risk approach.
Expected SIP returns in India
Large-cap equity mutual funds in India have historically returned around 10–12% annually over 10+ year periods. Mid-cap and small-cap funds have returned higher (12–16%) with greater volatility. Debt funds typically return 6–8%. This calculator uses a fixed annual return rate — actual returns will vary based on market conditions and the specific fund chosen.