SIP Calculator
Estimate the future returns of your mutual fund investments.
The total value of your investment after 10 Years will be
₹ 0
Invested Amount
₹ 0
Wealth Gained
₹ 0
Calculate Your Wealth Growth
Planning for your financial goals? Our SIP Calculator helps you visualize how small monthly investments can grow into a significant corpus over time. By leveraging the power of compounding, you can better plan for your dream home, retirement, or child's education.
What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator is a simple online tool that helps investors estimate the returns on their mutual fund investments made through SIPs. By entering the monthly investment amount, expected rate of return, and the investment duration, the calculator provides an estimate of the total corpus you can accumulate. It simplifies complex financial calculations and helps you visualize your wealth creation journey.
How to Use This Calculator
-
1Set Monthly Investment: Use the slider to choose how much you plan to save every month.
-
2Adjust Return Rate: Enter the expected annual return rate (e.g., 12% for equity mutual funds).
-
3Choose Duration: Select the number of years you intend to stay invested. Long-term investments benefit most from compounding.
-
4Analyze: Review the graph to see the split between your invested amount and the interest earned.
How can a SIP return calculator help you?
- Financial Goal Planning Helps you reverse-engineer your investments. You can determine how much to invest monthly to reach a specific financial goal like buying a house or retirement.
- Estimate Future Returns Provides a realistic estimate of the potential value of your investments based on historical market performance.
- Comparison Allows you to compare different scenarios by tweaking the investment amount, tenure, and return rate to find the best plan for you.
- Informed Decision Making Eliminates guesswork and helps you make data-backed investment decisions.
Key Features
Visual Growth Chart
Rich interactive graphs show exactly how your money grows year over year.
Instant Results
No page reloads. Values update instantly as you move the sliders.
Privacy First
Your financial data stays on your device. We never calculate or store your numbers on our servers.
Goal Planning
Perfect for reverse-engineering how much you need to save to hit a target of 10 Million+.
Why Start a SIP?
A Systematic Investment Plan (SIP) allows you to invest small amounts regularly in mutual funds. It brings financial discipline and averages out market risks (Dollar/Cost Averaging).
The biggest advantage of SIP is compounding. As you calculate with our tool, you'll ensure that investing even a small amount like 5,000 for 20 years can yield results far greater than the total amount you actually invested.
Benefits of SIPs
Compounding Power
Earn returns on your returns. The longer you stay invested, the more your money grows.
Rupee Cost Averaging
Buy more units when markets are low and fewer when high, averaging out the cost over time.
Disciplined Savings
Automated deductions ensure you save first before spending, building a healthy financial habit.
Types of SIPs
Top-up SIP
Allows you to increase your SIP amount periodically (e.g., every year). This helps track your increasing income and inflation.
Flexible SIP
Gives you the freedom to change your investment amount based on your cash flow for that month.
Perpetual SIP
A SIP without an end date. You can continue investing until you manually stop it.
Trigger SIP
Investments are triggered by market events, such as a sharp market drop or a specific index level.
Mistakes to Avoid in Systematic Investment Plan
- ✕ Stopping SIPs during market downturns: This defeats the purpose of buying low. Continue investing to lower your average cost.
- ✕ Setting unrealistic goals: Don't assume exceptionally high returns (like 25-30%) for long durations. Stick to realistic estimates (12-15% for equity).
- ✕ Not increasing investment amount: As your income grows, your SIP amount should grow too (Top-up SIP) to beat inflation.
- ✕ Choosing funds based only on past performance: Past returns don't guarantee future performance. Look at fund consistency and management.
Frequently Asked Questions
What is a good return rate for SIP?
For equity mutual funds, long-term returns usually range between 12% to 15%. Debt funds may offer 6-8%.
Is the result guaranteed?
No, this calculator provides estimates based on an assumed rate of return. Actual market performance will vary.
Does this calculate inflation?
This specific tool shows nominal value. To understand the purchasing power, you would need to adjust for inflation separately.
Who can invest in SIP?
Anyone with a bank account and KYC compliance can start investing. You can start with as little as 500 per month.
Are SIP returns taxable?
Yes, returns are subject to capital gains tax. For equity funds, gains up to ₹1.25 Lakh in a financial year are tax-free (LTCG). Short-term gains (STCG) are taxed at 20%.
Can I modify my SIP amount?
Yes, most AMCs and platforms allow you to increase or decrease your SIP amount (Step-up/Step-down SIP) without stopping the existing one.
What happens if I miss an installment?
Your SIP will strictly not be cancelled. However, your bank might charge a penalty for a failed auto-debit transaction.
How do I stop my SIP?
You can cancel your SIP anytime through your investment platform or by submitting a request to your bank/AMC. There are no exit penalties for stopping future installments.