About this SIP Calculator
A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. This SIP calculator helps you estimate how much your contributions could grow if returns compound at a steady assumed rate.
People search for a SIP calculator when they want a quick wealth projection before starting or increasing a monthly investment. Use it to compare amounts, time horizons and expected returns — then read the guides below for practical next steps.
How to use this calculator
- Enter the monthly SIP amount you can invest comfortably.
- Choose how many years you plan to stay invested.
- Set an expected annual return (many long-term equity illustrations use around 10–12%, but actual results vary).
- Review total invested, estimated value and gains. Adjust inputs until the plan feels realistic.
Formula used
Future value of a monthly SIP (investment at period end): FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P is the monthly amount, r is the monthly rate of return, and n is the number of months.
Practical tips
- Increase SIP with income (step-up) so your plan keeps pace with goals.
- Focus on time in the market; short periods can look disappointing even with a solid fund.
- Pair SIPs with an emergency fund so you are not forced to redeem in a rush.
Frequently asked questions
What is a SIP calculator used for?
A SIP calculator estimates the future value of regular monthly investments based on an assumed return rate and time period. It helps you plan contribution size before you invest.
Is the SIP calculator result guaranteed?
No. Mutual fund returns fluctuate. The calculator shows an illustration using a constant assumed rate, not a promise of future performance.
What return rate should I enter?
Use a conservative long-term assumption for equity-oriented funds, or a lower rate for debt-heavy mixes. Always leave room for lower outcomes than your hope case.
How is SIP different from a lumpsum?
SIP spreads purchases over time. A lumpsum invests everything at once. Many investors use both — SIP for salary surplus and lumpsum for windfalls.
