Wealth Planner
SIP Calculator

SIP Calculator

Calculate returns on Systematic Investment Plan

Private
Instant
Estimate

Inputs

Configurable
₹5,000
12.0%
10 years
Step-up SIP
Increase the SIP amount once every year.
Plan setup

Change mode, path, or scenario after entering the core numbers.

Base
Projection
SIP
Base

Results

Projected
Corpus
₹11.62 L
48% growth share
Total Value₹11.62 L
Invested Amount₹6.00 L
Estimated Returns₹5.62 L
Projected Corpus
₹11.62 L
Invested Amount
₹6.00 L
Estimated Returns
₹5.62 L
Monthly SIP
₹5,000
This path keeps the monthly SIP fixed across the full time horizon.
Assumptions
ViewProjection
ScenarioBase
ModeSIP
Return12.0%
Horizon10 Yr
Step-upOff
CompoundingMonthly
Flat vs Step-up vs Lumpsum
Flat SIP
₹11.62 L
Invested ₹6.00 L
Step-up SIP
₹16.87 L
Adds ₹5.25 L over flat SIP at 10.0% step-up
Lumpsum
₹77,646
Using ₹25,000 one-time

Growth Over Time

Chart

Year-by-Year Breakdown

Table
YearInvestedReturnsTotal Value
1₹60,000₹4,047₹64,047
2₹1,20,000₹16,216₹1,36,216
3₹1,80,000₹37,538₹2,17,538
4₹2,40,000₹69,174₹3,09,174
5₹3,00,000₹1,12,432₹4,12,432
6₹3,60,000₹1,68,785₹5,28,785
7₹4,20,000₹2,39,895₹6,59,895
8₹4,80,000₹3,27,633₹8,07,633
9₹5,40,000₹4,34,108₹9,74,108
10₹6,00,000₹5,61,695₹11,61,695

Saved on this device

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Scenario comparison

0/6 saved

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Assumptions and methodology

Transparent calculation notes for SIP Calculator.

Methodology notes

Formula used

Recurring SIP future value
FV = M x [((1 + r)^n - 1) / r] x (1 + r)

Monthly SIP contributions compound at the selected monthly return derived from the annual expected return.

Methodology

  • Convert annual return to monthly return.
  • Compound each monthly contribution through the remaining period.
  • Compare invested amount, estimated returns, and final corpus.

Core assumptions

  • SIPs are invested monthly without skips.
  • Return remains constant through the horizon.
  • Scenario settings change assumptions only; they do not guarantee outcomes.

Not included

  • Market volatility, taxes, exit load, expense ratio, and irregular SIP changes are excluded unless separately modeled.
  • Actual returns can be lower or negative over shorter periods.

About SIP Calculator

Guide

1What is SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum, SIP allows you to invest small amounts at regular intervals — typically monthly — making it one of the most popular investment strategies in India.

SIP works on the principle of rupee cost averaging, where you buy more units when the market is low and fewer when it's high, effectively averaging out your cost over time.

2SIP Formula

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

FV = M × [((1 + r)^n - 1) / r] × (1 + r)

  • FV = Future Value of the investment
  • M = Monthly investment amount
  • r = Monthly rate of return (annual rate / 12 / 100)
  • n = Total number of months

3How to Use This SIP Calculator

  • Step 1: Enter your monthly investment amount (e.g., ₹5,000)
  • Step 2: Set the expected annual return rate (e.g., 12%)
  • Step 3: Choose the investment duration in years
  • Step 4: View your projected returns, total investment, and growth chart instantly

4Benefits of SIP Investing

  • Rupee Cost Averaging: Reduces the impact of market volatility
  • Power of Compounding: Small regular investments grow exponentially over time
  • Disciplined Investing: Automates your investment habit
  • Flexible: Start with as low as ₹500/month and increase over time
  • No Market Timing: Eliminates the need to predict market highs and lows

Frequently Asked Questions

FAQ