SIP / Mutual Fund Calculator
See how your SIP investments grow over time with compounding
₹5,000
₹500₹2L
12%
1%30%
10 Years
1 Yr40 Yrs
Total Value
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Amount Invested
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Estimated Returns
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Wealth Gain
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⚠️ Mutual fund investments are subject to market risks. Past returns do not guarantee future performance. This is an estimate only.
What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator helps you estimate the future value of your mutual fund investments made at regular monthly intervals. It uses the power of compounding to show how small, consistent investments can grow significantly over time.
SIP Formula
The SIP return is calculated using: M = P × {[(1 + i)^n – 1] / i} × (1 + i), where M = Maturity value, P = Monthly SIP amount, i = Monthly interest rate, n = Number of months.
Frequently Asked Questions
What is a good SIP return rate to assume?▾
Historically, large-cap mutual funds in India have delivered 10–12% CAGR over long periods. Mid-cap and small-cap funds may offer higher returns but with more volatility. Use 10–12% as a conservative estimate.
Can I start a SIP with ₹500?▾
Yes! Many mutual funds in India allow SIPs starting from ₹500 per month. It's a great way to begin investing even with a limited budget.
Is SIP better than lump sum?▾
SIP averages out the purchase cost over time (rupee cost averaging) and reduces the risk of investing a large amount at the wrong time. It's ideal for salaried individuals with regular income.