Calculate how your Systematic Investment Plan (SIP) grows over time with the power of compounding. Enter your monthly investment amount, expected return rate, and investment duration to see your estimated wealth accumulation.
Calculate your systematic investment plan returns with our advanced SIP calculator. Plan your investments and see how they grow over time.
A Systematic Investment Plan (SIP) is a disciplined approach to investing where you invest a fixed amount regularly in mutual funds. This calculator helps you estimate the future value of your SIP investments based on the expected rate of return and investment period.
Key Benefits of SIP:
A Systematic Investment Plan (SIP) is a method of investing a fixed amount of money at regular intervals (usually monthly) in mutual funds. Instead of making a large one-time investment, SIP allows you to invest small amounts periodically, making it easier to build wealth over time.
SIP leverages the power of compounding — where returns earned on your investment also generate returns. This creates a snowball effect that significantly grows your wealth over long periods.
The future value of a SIP investment is calculated using the following formula:
FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Where:
If you invest Rs. 10,000 per month for 10 years at an expected annual return of 12%:
By investing regularly, you buy more units when prices are low and fewer when prices are high, averaging out your cost per unit.
Returns generated on your investment earn further returns, creating exponential growth over long periods.
Regular monthly investments build financial discipline and help you stay committed to your financial goals.
You can start a SIP with as little as Rs. 500 per month, making it accessible for investors at every income level.
There is no fixed "ideal" amount. Start with whatever you can comfortably invest each month after covering your expenses. Even Rs. 1,000-5,000 per month can grow significantly over 15-20 years.
Yes, most mutual fund companies allow you to increase, decrease, or pause your SIP at any time without penalties.
For equity mutual funds, a 10-12% annual return is a common long-term assumption. For debt funds, 6-8% is typical. These are estimates and actual returns may vary.
SIP reduces the risk of market timing through rupee cost averaging, making it suitable for most investors. Lumpsum can outperform SIP if markets trend upward, but SIP is generally considered safer for beginners.
This SIP calculator is for informational and educational purposes only. The results are estimates based on assumed constant returns and do not account for market volatility, fund management fees, exit loads, or taxes. Mutual fund investments are subject to market risks. Past performance does not guarantee future results. Please consult a certified financial advisor before making investment decisions.