A Systematic Investment Plan (SIP) is a smart, disciplined way to invest a fixed amount regularly into mutual funds. It’s ideal for building wealth gradually without needing a large initial sum. With flexible contribution frequencies—monthly, quarterly, or weekly—SIPs help investors benefit from market fluctuations and the power of compounding.
Our user-friendly SIP calculator (or SIP return calculator) instantly estimates the future value of your investments. Simply input your monthly contribution, investment duration, and expected rate of return to see how your savings could grow.
A=P×((1+r)n−1r)×(1+r)A = P \times \left(\frac{(1 + r)^n - 1}{r}\right) \times (1 + r) Where
Fixed SIP – ₹2000 Monthly Investment (10 Years)
| Year | Cumulative Investment (₹) | Estimated Future Value (₹) |
|---|---|---|
| 1 | 24,000 | ~25,600 |
| 2 | 48,000 | ~54,340 |
| 3 | 72,000 | ~86,860 |
| 4 | 96,000 | ~123,765 |
| 5 | 120,000 | ~164,832 |
| 6 | 144,000 | ~211,494 |
| 7 | 168,000 | ~264,000 |
| 8 | 192,000 | ~323,000 |
| 9 | 216,000 | ~389,456 |
| 10 | 240,000 | ~464,700 |
The SIP return is estimated using monthly compounding at approximately 1% (equivalent to a 12% annual return).
Exit Load is a fee charged by mutual funds when you redeem your units before a specified period. This fee is designed to discourage short-term trading and to help cover the costs associated with managing early withdrawals. When using our SIP calculator, keep in mind that:
A Step-Up SIP lets you gradually increase your monthly investment—helping you invest more as your income grows. Instead of a fixed contribution, you start with a base amount (for example, ₹2000) and increase it by a fixed percentage over time. In the example below, we assume a hypothetical scenario where the monthly contribution increases by 5% each month. Note: A 5% monthly increase is highly aggressive and used here only for illustration. Typically, step-up SIPs implement an annual increase (e.g., 5% per year). Below are simplified summary tables showing how your investments might grow under two scenarios—one with a fixed SIP and the other with a step-up SIP—assuming a 12% annual return (approximately 1% monthly). The similar investment plan of Fixed SIP – ₹2000 Monthly Investment (10 Years) with step-up SIP is shown below
| Year | Cumulative Investment (₹) | Estimated Future Value (₹) |
|---|---|---|
| 1 | ~31,840 | ~33,450 |
| 2 | ~88,900 | ~97,680 |
| 3 | ~191,580 | ~218,100 |
| 4 | ~377,040 | ~440,750 |
| 5 | ~709,240 | ~846,245 |
| 6 | ~1,307,120 | ~1,582,265 |
| 7 | ~2,379,320 | ~2,908,400 |
| 8 | ~4,300,320 | ~5,300,800 |
| 9 | ~7,758,920 | ~9,601,400 |
| 10 | ~13,966,520 | ~17,349,200 |
Investment: For each month, the deposit increases by 5%—this forms a geometric progression.
Future Value: Each monthly deposit compounds at approximately 1% per month until the end of the year. The values for subsequent years include the previous year’s accumulated corpus grown over an additional 12 months.
A SIP calculator is an online tool that estimates the future returns on your regular investments in mutual funds by considering your monthly contributions, the expected rate of return, and the investment duration.
While our calculator uses standard formulas and current market assumptions to estimate returns, actual performance may vary due to market fluctuations. It’s always wise to consult with a financial advisor for personalized advice.
It helps you visualize your investment growth, compare different SIP plans, and set realistic financial goals by showing how small, regular investments can accumulate over time.
Yes, our tool is designed to accommodate various SIP types—including regular, flexible, step-up, perpetual, and trigger SIPs—so you can plan according to your specific needs.
Rupee cost averaging involves investing a fixed amount regularly, which results in buying more units when prices are low and fewer when prices are high. This approach can reduce the impact of market volatility on your investments.
Exit load is a fee applied when you redeem your mutual fund units before a specified time period. This fee can reduce your overall returns if you withdraw your investment early, making it important to plan your investment horizon carefully.