Calculate your SIP investment growth, estimated returns, maturity amount and wealth creation using the power of compounding.
Enter your monthly SIP amount, expected annual return and investment duration.
Estimate your future wealth using the power of monthly compounding.
Compare investment growth and build long-term financial goals.
A Systematic Investment Plan (SIP) is a disciplined way to invest a fixed amount of money regularly into mutual funds. Instead of investing a large amount at once, SIP allows you to invest monthly, helping build wealth gradually through the power of compounding and rupee-cost averaging.
Invest a fixed amount every month without worrying about market timing.
Your investment earns returns, and those returns generate additional returns over time.
Steady Growth
Higher Returns
Strong Wealth Creation
Maximum Compounding
| Investment Type | Expected Annual Return |
|---|---|
| Debt Mutual Funds | 6%–8% |
| Hybrid Funds | 8%–10% |
| Equity Mutual Funds | 10%–15% |
| Index Funds | 10%–14% |
FV = P × ((1+r)n − 1) × (1+r) ÷ r
Where FV is the future value, P is the monthly SIP amount, r is the monthly return rate and n is the total number of monthly investments.
| Feature | SIP | Lump Sum |
|---|---|---|
| Investment Style | Monthly | One Time |
| Risk | Lower | Higher |
| Market Timing | Not Required | Important |
| Best For | Regular Investors | Large Available Capital |
A Systematic Investment Plan (SIP) Calculator helps estimate the future value of your mutual fund investments by calculating monthly contributions, expected annual returns and investment duration. It provides an estimate of your total investment, expected returns and maturity amount using the power of compounding.
Whether you're saving for retirement, your child's education, buying a house or achieving long-term financial goals, this SIP Calculator helps you plan your investments more effectively.
Rupee Cost Averaging is one of the biggest advantages of SIP investing. Since you invest a fixed amount every month, you automatically purchase more units when prices are low and fewer units when prices are high. Over time, this can reduce the average purchase cost and lower the impact of market volatility.
Your SIP buys more mutual fund units at lower prices.
Previously purchased units may grow in value over time.
A Step-up SIP increases your monthly investment by a fixed percentage every year. As your income grows, increasing your SIP can significantly boost your final investment value without requiring a large increase at once.
This SIP Calculator provides estimated investment values based on the information you enter and assumed annual returns. Mutual fund investments are subject to market risks, and actual returns may differ from estimates. Past performance does not guarantee future results. Please consult a qualified financial advisor before making investment decisions.
A SIP Calculator estimates the future value of your monthly mutual fund investments based on your investment amount, expected annual return and investment period.
Yes. It uses standard SIP future value formulas to provide estimated results. Actual returns may differ depending on market performance.
A Step-up SIP automatically increases your monthly investment every year by a fixed percentage, helping build a larger investment corpus over time.
Yes. This calculator allows you to add an optional lump sum investment along with your monthly SIP contributions.
Yes. This calculator is completely free and works on desktop, tablet and mobile devices.
Discover free calculators for SIP, loans, mortgages, savings, retirement, investments, taxes and many more financial planning tools.
Browse All Finance Calculators →