SIP Calculator
Calculate mutual fund SIP returns, maturity value and wealth gained with this online SIP (Systematic Investment Plan) calculator.
How is SIP Return Calculated?
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund. This calculator compounds each month's investment at your expected monthly return, assuming the investment is made at the start of each month.
FV = P × [((1 + i)n − 1) / i] × (1 + i)
- P — Monthly investment amount
- i — Monthly return rate (annual return ÷ 12 ÷ 100)
- n — Number of months invested
For example, investing ₹10,000 every month for 10 years at an expected 12% annual return grows to a corpus of about ₹23.2 lakh, of which ₹12 lakh is your own investment and the rest is market-linked growth.
Frequently Asked Questions
Are SIP returns guaranteed?
No. SIP returns depend on the market performance of the underlying mutual fund and are not guaranteed. The rate you enter is an assumption for planning purposes, not a promised return.
Why does SIP work better than a lumpsum in volatile markets?
SIPs use rupee-cost averaging — you buy more units when prices are low and fewer when prices are high, which can smooth out the impact of market volatility over the long term.
Read more: SIP vs lump sum: what does the math actually say?, what is a step-up SIP? or what's a realistic SIP return to assume?
Also see: Step-Up SIP Calculator, SIP vs Step-Up SIP Calculator, Lumpsum Calculator, CAGR Calculator and CAGR vs XIRR — which one should you use?