SIP Calculator
Calculate returns on your Systematic Investment Plan
Calculate the future value of monthly SIP investments in mutual funds. Instant results, no signup.
Map this SIP to a real goal.
Our financial planners stress-test your retirement, education, or home goal in 30 minutes. Free.
What is a SIP Calculator?
A Systematic Investment Plan (SIP) is a disciplined way of investing a fixed amount into a mutual fund at regular intervals — most commonly every month. Instead of timing the market, you buy more units when prices are low and fewer when prices are high, a concept known as rupee-cost averaging.
Our free SIP calculator uses the standard future-value formula for an annuity due: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly contribution, i is the monthly rate of return, and n is the total number of months. It shows you three numbers that matter — how much you invest, what you earn, and what it all grows to.
Use it to stress-test goals like retirement, a child’s education fund, or a home down payment. The earlier you start, the more compounding does the heavy lifting.
Why use this SIP Calculator
Built for Indians, by Indians. Every number, every formula, every slab — tuned to FY 2026-27 reality.
Instant Results
Move the sliders and see future value update in real time.
Visual Breakdown
Donut chart shows invested amount vs. estimated returns at a glance.
Any Tenure
Model SIPs from 1 to 40 years with returns from 1% to 30% p.a.
100% Private
Runs entirely in your browser. No data stored, no signup required.
Using the SIP Calculator in 4 steps
No onboarding, no signup. Answer three fields and the numbers update live.
Enter monthly investment
Start with the amount you can comfortably invest every month — as little as ₹500.
Set expected return rate
Use a realistic annualised return. Equity funds historically average 10–14% p.a.; debt funds 6–8%.
Pick your tenure
Longer horizons let compounding compound. 10+ years is the sweet spot for equity SIPs.
Review the results
Compare invested amount vs. estimated returns. Adjust inputs until the total value matches your goal.
Tips to get the most out of it
Anchor inputs to realistic, post-expense-ratio returns — not the trailing 3-year best case.
Step up your SIP by 5–10% every year to match salary hikes. A ₹5,000 SIP stepped up 10% for 20 years easily beats a flat ₹10,000 SIP.
Never stop SIPs during market corrections. That’s when you accumulate the most units.
Map every SIP to a specific goal — retirement, education, house — and use separate folios. Makes rebalancing painless.
Review once a year, not every week. Frequent tinkering kills compounding.
Real-world scenarios
How Indians actually use this calculator — concrete inputs, concrete outcomes.
Retirement at 60
₹10,000/month for 25 years at 12% p.a. grows to roughly ₹1.9 crore. You invest ₹30 lakh; compounding adds the rest.
Child’s college fund
₹8,000/month for 15 years at 11% p.a. builds a corpus of about ₹33 lakh — enough for most premium UG courses in India.
First home down payment
₹15,000/month for 7 years at 10% p.a. gives you ~₹18 lakh — a solid 20% down payment on a ₹90 lakh home.
Frequently Asked Questions
Still have a question? Our team replies within a business day.
It uses the exact future-value formula used by AMCs and SEBI-registered advisors. Results are mathematically precise given your inputs. Actual returns vary with fund performance, expense ratios, and taxes, but the calculator gives you a reliable projection.
For diversified equity mutual funds in India, a long-term assumption of 10–12% p.a. is reasonable. For debt funds, use 6–8%. Hybrid funds typically return 8–10%. Avoid plugging in the last 1-year return — markets revert to the mean.
Most Indian mutual funds accept SIPs starting at ₹500/month. A handful of funds allow ₹100 or ₹250 SIPs. Check the scheme information document before investing.
No — it shows nominal (pre-inflation) returns. To see real purchasing power, run the output through an inflation calculator with 5–6% annual inflation.
Yes. Equity funds: LTCG over ₹1.25 lakh taxed at 12.5% if held 1+ year. Debt funds: taxed at your income slab rate regardless of holding period (post-April 2023). The calculator shows pre-tax returns.
If you have a large idle amount and markets are fairly valued, lumpsum usually wins. If you’re investing out of monthly salary or markets are expensive, SIP reduces timing risk. Most retail investors do better with SIPs.
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