Free SIP Calculator

Calculate your SIP returns quickly and accurately

Plan your investments with detailed breakdowns

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Investment Details

Monthly Investment Amount (₹)

Initial Lumpsum Investment (₹)

Expected Annual Return Rate (%)

Enable Step-up SIP

Annual Step-up Percentage (%)

Increase your SIP investment by this % each year

Investment Period

SIP Details

Total Value

₹23,23,391

Invested Amount₹12,00,000

Estimated Returns₹11,23,391

Return on Investment93.62%

Investment Breakdown

Invested: 51.6%Returns: 93.6%

Investment Summary

- Monthly Investment: ₹10,000

- Expected Return: 12% per annum

- Period: 10 years

- Total Months: 120

What is a SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is a disciplined approach to investing in mutual funds where you invest a fixed amount regularly (usually monthly). SIPs leverage the power of compounding and rupee cost averaging to help build wealth over the long term. They're ideal for salaried individuals and first-time investors looking to enter equity markets without timing them.

How to Calculate SIP Returns

Enter monthly investment

Input the amount you plan to invest every month (e.g., ₹5,000)

Set expected return rate

Enter the annual return rate you expect from your mutual fund (typically 10-15% for equity funds)

Choose investment duration

Select how many years you plan to continue the SIP (e.g., 10, 15, or 20 years)

View wealth projection

See your total investment, estimated returns, and final maturity amount

Why Use Our SIP Calculator?

Plan your goals

Calculate how much you need to invest monthly to reach your financial goals

Compare scenarios

Compare different investment amounts, durations, and return rates

Understand compounding

See how small monthly investments grow significantly over time

Free & accurate

No registration required, uses standard compound interest formulas

Frequently Asked Questions

SIP stands for Systematic Investment Plan. It allows you to invest a fixed amount regularly (monthly) in mutual funds, helping you benefit from rupee cost averaging and power of compounding.

Our SIP calculator uses standard mathematical formulas for calculating compound interest. While it provides accurate projections based on your inputs, actual mutual fund returns may vary based on market conditions.

Typically, long-term equity mutual funds in India have historically provided returns between 12% and 15%. However, it's safer to estimate with conservative figures like 10-12% for planning.

Yes, our tool provides a clear breakdown of the total amount invested, the estimated returns earned, and the total maturity value of your investment.