SIP Calculator

What is a SIP?

SIP stands for Systematic Investment Plan. It is a simple way to invest in mutual funds where you invest a fixed amount at regular intervals, usually every month. Instead of investing a big amount at one time, you invest small amounts step by step.

SIP is very popular among Indian investors because you can start with as little as ₹500 per month. The money is automatically debited from your bank account on a fixed date, so you build the habit of saving without extra effort.

How does the SIP calculator work?

The SIP calculator uses the future value formula of an annuity. It assumes that you invest at the start of every month and that returns are compounded monthly.

M = P × [ ( (1 + i)^n − 1 ) / i ] × (1 + i)

• M = Maturity amount you receive at the end
• P = Amount you invest every month
• i = Monthly rate of return, worked out from the yearly rate as (1 + yearly rate)^(1/12) − 1
• n = Total number of monthly installments (years × 12)

Example: If you invest ₹25,000 every month for 10 years at an expected return of 12% per year, your total investment will be ₹30,00,000 and the estimated value at maturity will be around ₹56,00,000. The estimated return is about ₹26,00,000.

How to use this SIP calculator

• Enter the amount you plan to invest every month, or move the slider.
• Enter the expected yearly return rate. Equity mutual funds have historically given 10% to 14% per year over the long term.
• Select the number of years you want to stay invested.
• The calculator instantly shows the invested amount, estimated returns and total maturity value along with a chart.

Benefits of using a SIP calculator

• Helps you plan your financial goals like buying a house, child education or retirement.
• Shows how the power of compounding grows your money over time.
• Lets you compare different monthly amounts and time periods before investing.
• Saves time and avoids manual calculation mistakes.

Advantages of SIP investment

• Rupee cost averaging: You buy more units when the market is low and fewer units when it is high, so your average cost comes down.
• Disciplined investing: Fixed monthly investment builds a strong saving habit.
• Small start: You can begin with just ₹500 per month and increase later.
• Flexibility: You can pause, stop or increase your SIP anytime without penalty in most funds.

SIP returns at 12% for different monthly amounts

The table below gives a quick idea of how much a monthly SIP can grow at an assumed 12% yearly return. Use the calculator above for your exact amount, rate and period.

Notice how the 30-year column is many times the 10-year column, even though you invest only three times as much. That is compounding at work. If you also raise your SIP every year, the numbers get much bigger: try the step up SIP calculator.

More free financial calculators

SIP Calculator has a full set of calculators for Indian investors, borrowers and taxpayers. Every tool is free, needs no login and works on your phone.

Why use SIP Calculator?

Money decisions become easier when you can see the numbers. Whether you want to know how much your monthly SIP will grow, what EMI you can afford on a home loan, or how much income tax you will pay this year, these calculators give you the answer in seconds, with a chart you can understand at a glance.

All calculators use the same formulas that banks, mutual fund houses and the Income Tax Department use, so the results match what you will see on Groww, Zerodha, your bank’s website or the official tax portal. Nothing you type is sent to a server; every calculation runs inside your browser.