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SIP Calculator

Calculate Your SIP Returns & Plan Your Investments

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SIP Calculator

₹100 ₹1,00,000
1% 30%
1 yr 40 yrs

What is a SIP Calculator?

A SIP (Systematic Investment Plan) Calculator helps you estimate the wealth you can accumulate by investing a fixed amount every month over a chosen period at an expected annual return rate.

SIP Formula

The future value of a SIP is calculated using the following formula:

M = P × [{(1 + r)n − 1} ÷ r] × (1 + r)

Example Calculation

If you invest ₹5,000/month for 10 years at 12% annual return:

This demonstrates the power of compounding — your money nearly doubles over 10 years.

Frequently Asked Questions

Most mutual funds allow SIPs starting from ₹100–₹500 per month. There is no maximum limit.

No. SIP returns depend on the performance of the mutual fund. The rate entered here is an expected return for estimation purposes. Actual returns may be higher or lower.

For equity mutual funds, 10–14% is a commonly used estimate based on historical long-term returns. Debt funds typically return 6–8%. Use a conservative estimate for planning purposes.