SIP Calculator
Estimate the maturity value of a monthly SIP investment. See invested amount, expected returns, total value and a year-wise growth table. Useful for mutual fund SIP planning in India for goals like house, car, education and retirement.
✅ Invested vs Returns ✅ Year-wise table ✅ Step-up SIP option
Enter SIP details
This is an estimate. Actual mutual fund returns are market-linked and not guaranteed.
Year-wise Growth (Estimated)
| Year | Monthly SIP | Total Invested | Estimated Value |
|---|
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) into a mutual fund. Instead of investing a lump sum, SIP helps you build wealth gradually using compounding over time. SIP investing is popular in India because it supports disciplined investing, reduces emotional market timing decisions, and makes long-term goals like retirement, children’s education and buying a home more achievable.
This SIP Calculator estimates your maturity amount based on monthly investment, expected annual return and time period. It also shows invested amount, estimated returns (profit) and a year-wise growth table so you can understand how wealth may grow over time.
How SIP returns are calculated
SIP returns depend on the expected annual rate and compounding effect. This calculator converts annual return into monthly return and calculates the future value of a series of monthly contributions. If you enable Step-up SIP, the monthly SIP amount increases every year by the chosen percentage (for example, 10% yearly step-up), which can significantly increase your final maturity value.
Future Value (monthly SIP) = P × [((1+r)^n − 1) / r] × (1+r)
Where P is monthly SIP, r is monthly rate (annual/12), and n is number of months. This is an estimation method; real mutual fund returns can vary and are not guaranteed.
Tips to use this SIP Calculator (smart planning)
- Be conservative: use realistic return assumptions. Markets fluctuate.
- Check inflation: your real wealth = returns minus inflation (purchasing power matters).
- Try step-up SIP: increasing SIP yearly often helps reach goals faster.
- Longer time = stronger compounding: compounding works best over many years.
SIP Calculator FAQs
Are SIP returns guaranteed?
No. Mutual fund SIP returns are market-linked. This calculator shows an estimate based on expected return.
What is step-up SIP?
Step-up SIP increases your SIP amount every year (like 10% yearly). It can boost your maturity value.
How does inflation affect SIP?
Inflation reduces purchasing power. For real returns, subtract inflation from expected returns.
Which return rate should I use?
Use a conservative expected annual return based on your fund category and risk profile.