Free Calculator
SIP Calculator
Estimate your Systematic Investment Plan returns — no sign-up required
SIP Return Calculator
Adjust the sliders to see your returns update live
Monthly SIP Amount
₹5,000
₹500₹1,00,000
Investment Period
15 Years
1 Year40 Years
Expected Return Rate
12% p.a.
1%30%
Total Corpus
₹25.2L
After 15 years · ₹5,000/month
₹9L
Total Invested
₹16.2L
Wealth Gained
180%
Total Returns
₹167
Per Day Cost
Invested vs Returns — Year by Year
Invested
Gains
| Year | Invested | Returns | Total Value |
|---|
⚠ Disclaimer: This calculator provides estimates only. Actual mutual fund returns may vary. Past performance is not indicative of future returns. Please consult a SEBI-registered financial advisor before investing.
What is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly into a mutual fund. It is one of the most popular and disciplined ways to build wealth in India.
Instead of investing a large lump sum, SIP lets you invest small amounts consistently — taking advantage of rupee cost averaging and the power of compounding.
SIP Formula
M = P × ({[1 + i]^n – 1} / i) × (1 + i)
M = Maturity amount | P = Monthly SIP | i = Monthly rate | n = Months
M = Maturity amount | P = Monthly SIP | i = Monthly rate | n = Months
Benefits of SIP
- Rupee cost averaging — buy more units when markets are low
- Power of compounding — your returns earn returns over time
- Start small — begin with as little as ₹100/month
- Flexible — pause, increase or stop anytime
- Tax efficient — ELSS SIPs offer Section 80C benefits up to ₹1.5L
Frequently Asked Questions
What is a good SIP amount to start with?
You can start with as little as ₹500/month. ₹2,000–₹5,000/month is a practical starting point for most salaried individuals.
What return rate should I use?
For equity mutual funds, 10–12% is a reasonable long-term assumption. For debt funds use 6–8%. These are estimates — actual returns will vary.
Can I stop my SIP anytime?
Yes. Most SIPs can be paused or stopped anytime without penalty. Staying invested longer significantly improves returns due to compounding.
Is SIP safe?
SIP in equity mutual funds carries market risk. However, SIP reduces risk through rupee cost averaging. Debt fund SIPs are lower risk but offer lower returns.