SIP Calculator
Estimate mutual fund SIP returns with step-up options and wealth projection charts.
SIP Calculator
Adjust Your Plan
Slide, tap presets, or type exact values
Live Projection
Your Wealth Journey
Watch your money grow year by year — like stories on your feed.
Growth Visualization
What Are You Planning For?
Select a goal to see your progress update in real time.
How Do You Compare?
Anonymous community benchmarks — see where you stand.
Smart Insights
Personalized takeaways from your numbers.
Real-Life Examples
₹3K/mo · 10 yrs · 12%
₹5K/mo · 10 yrs · 12%
₹10K/mo · 20 yrs · 12%
The Formula Behind It
FV = P × ((1+r)^n - 1) / r × (1+r)Variables
- P — Monthly SIP amount
- r — Monthly return rate
- n — Total months invested
How It Works
- Enter your monthly SIP investment amount.
- Set the expected annual return rate (historical equity average is 10-12%).
- Choose your investment period in years.
- View projected corpus, total invested, and wealth gained.
About SIP Calculator
A SIP (Systematic Investment Plan) Calculator helps investors project the future value of their mutual fund investments made through regular monthly contributions. SIP is one of the most popular investment methods in India, allowing investors to build wealth gradually through disciplined, automated investing.
What is SIP?
A Systematic Investment Plan is a method of investing a fixed sum regularly (typically monthly) in mutual funds. Instead of trying to time the market with a lump sum investment, SIP allows you to invest consistently regardless of market conditions. This approach leverages rupee cost averaging — when markets are down, your fixed amount buys more units, and when markets are up, you buy fewer units, averaging out your purchase cost over time.
SIP Returns Formula
The future value of a SIP is calculated using the compound interest formula for regular investments:
FV = P × ((1+r)^n - 1) / r × (1+r)
Where P is monthly investment, r is monthly return rate, and n is total number of months.
Benefits of SIP Investing
SIP investing offers numerous advantages: you can start with as little as ₹500/month, it removes the need to time the market, compounding works powerfully over long periods, it’s automated and disciplined, and you benefit from rupee cost averaging. Historically, equity mutual funds in India have delivered 10-15% annual returns over 10+ year periods, though past performance doesn’t guarantee future results.
Choosing the Right SIP Amount
Financial planners recommend investing 20-30% of monthly income in SIPs for long-term goals. Use the 50-30-20 rule: 50% needs, 30% wants, 20% savings/investments. Increase your SIP annually (step-up SIP) by 10-15% to accelerate wealth creation. Align SIP amount with specific goals — retirement, children’s education, or home down payment.
Frequently Asked Questions
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds.
How are SIP returns calculated?
SIP returns use compound interest formula accounting for monthly investments and expected annual returns.
What is a good SIP return rate?
Equity mutual funds have historically returned 10-15% annually over long periods, though past performance doesn't guarantee future results.
Can I change my SIP amount?
Yes. Most mutual funds allow you to increase, decrease, or pause your SIP anytime.
What is step-up SIP?
Step-up SIP automatically increases your investment amount annually, accelerating wealth creation.
Is SIP better than lump sum investment?
SIP reduces timing risk through rupee cost averaging and is ideal for regular savers. Lump sum may outperform in rising markets.
What is the minimum SIP amount?
Most mutual funds allow SIP starting from ₹500 per month.
Are SIP returns guaranteed?
No. Mutual fund returns depend on market performance and are subject to market risks.
What is XIRR in SIP?
XIRR (Extended Internal Rate of Return) measures actual annualized returns accounting for irregular cash flows.
How long should I invest in SIP?
SIP works best for long-term goals (5+ years) allowing compounding to maximize returns.
Community Stories
Real experiences from people like you.
"Started SIP at 25 with ₹3,000/month."
Reached ₹10 Lakhs in 6 years
"Step-up SIP increased wealth 40% faster."
₹45L corpus at age 38