Systematic Investment Plan (SIP) Calculator
Calculate how your monthly investments grow over time. This SIP calculator uses the future value of annuity formula to show your estimated maturity amount, total invested, and projected returns.
SIP Calculator
SIP vs Lump Sum ($5K/month or $600K upfront @ 12%)
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About the SIP Calculator
A Systematic Investment Plan (SIP) calculator helps you project how regular monthly investments grow over time through the power of compounding. SIP is a popular investment strategy in mutual funds where you invest a fixed amount monthly, benefiting from rupee cost averaging and compounding returns.
Quick Start Guide
- Enter monthly investment — How much can you invest each month through SIP? Even ₹1,000/month is a good start.
- Set expected return — Historical equity mutual fund returns in India average 10-14% annually over long periods.
- Choose time period — How many years do you plan to stay invested? SIPs work best over 10+ years.
- Review projected wealth — See your total invested amount, estimated returns, and maturity value.
How It Works
This calculator uses the future value of an annuity formula: FV = P × [((1+r)^n − 1)/r] × (1+r), where P is the monthly investment, r is the monthly expected return rate, and n is the number of months. The results show total invested, expected returns, and final corpus.
Current Market Data
| Metric | Value | Source | Date |
|---|---|---|---|
| SENSEX 10-Year CAGR | 12.4% | NSE India | June 2026 |
| Nifty 50 10-Year CAGR | 11.8% | NSE India | June 2026 |
| Average Equity MF Return (10Y) | 13.2% | AMFI | June 2026 |
Real-World Example
Scenario: Building wealth through monthly SIP investments
- Monthly SIP amount: ₹10,000 per month.
- Expected return: 12% per annum.
- Investment period: 20 years.
Who Is This For?
This sip calculator is designed for Indian investors planning Systematic Investment Plans, mutual fund investors comparing lump sum versus SIP strategies, and anyone who wants to project long-term investment growth.. It's intentionally simple — no complex signup forms, no data tracking, no distractions. Just enter your numbers and get the answer.
Pro Tip
Start your SIP as early as possible. A 25-year-old investing ₹5,000/month at 12% annual return will have ₹35 lakhs by age 45 — while a 35-year-old investing the same amount will have only about ₹10 lakhs.
Things to Know
A Systematic Investment Plan (SIP) is one of the most effective ways for Indian investors to build wealth. By investing a fixed amount regularly, you benefit from rupee cost averaging — buying more units when prices are low and fewer when prices are high. This automatically reduces your average cost per unit over time.
The power of SIP lies in consistency, not timing. You do not need to predict market bottoms or tops. Simply investing the same amount every month through market ups and downs has historically outperformed attempts at market timing for most individual investors.
Historical context: The S&P BSE Sensex has delivered approximately 12-14% annualized returns over the past 20 years, though individual years have ranged from -35% to +80%. Patience and consistency are what turn these volatile returns into life-changing wealth.
Explore More Financial Calculators
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Frequently Asked Questions
What is a good expected return for SIP investments?
Historical equity mutual fund returns in India have averaged 12-15% over long periods (10+ years). Debt funds typically return 6-9%. Conservative estimates (10-12%) are recommended for financial planning, while actual returns will vary based on market conditions and fund selection.
How accurate is this calculator?
This calculator provides accurate results based on the inputs you enter. The calculations follow standard financial formulas used by banks and financial institutions. Always verify critical numbers with a professional.
Can I save or print my results?
Yes! You can use your browser's print function (Ctrl+P or Cmd+P) to save or print the results. We recommend taking a screenshot for quick reference.
Is this calculator really free?
Yes, 100% free. No signup, no hidden fees, no usage limits. Use it as many times as you need.
How accurate are the results?
Results are based on standard formulas and the values you enter. They are accurate for educational and planning purposes.
How to Use
Enter your monthly investment amount, the expected annual return rate, and the investment period in years. The calculator uses the future value of annuity formula assuming monthly compounding.
Historical equity market returns in the US have averaged around 7-10% annually, while debt instruments typically return 5-8%.
Note: Past performance does not guarantee future returns. This calculator provides estimates only.
SIP Formula
Where M = maturity value, P = monthly investment, r = monthly rate, and n = total months. The final (1 + r) factor accounts for investing at the beginning of each month.