SIP Calculator
Calculate your Systematic Investment Plan returns. See how small monthly investments can grow into massive wealth over time.
Calculate Your SIP Returns
Investment Breakdown
Year-wise Growth
Visual Charts
Beautiful pie charts and bar graphs to visualize your investment growth.
Instant Results
Get real-time calculations as you adjust your investment parameters.
Accurate Formula
Uses the standard SIP formula used by all major financial institutions.
How to Use
Enter Monthly Amount
Set how much you want to invest every month via SIP.
Set Expected Return
Choose your expected annual return rate (12% is a good average).
Choose Duration
Select how many years you want to stay invested.
See Results
Instantly see your total wealth, returns, and beautiful charts.
The Formula
M × ({[1 + i]^n – 1} / i) × (1 + i)Frequently Asked Questions
What is a SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It helps in rupee cost averaging and building wealth over time through the power of compounding.
What is a good monthly SIP amount?
It depends on your income and goals. A common rule is to invest at least 20% of your income. Even ₹500/month can grow significantly over 20-30 years.
What return rate should I expect?
Equity mutual funds have historically given 12-15% returns over long periods. For conservative estimates, use 10-12%. For debt funds, use 6-8%.
Is SIP better than lumpsum?
SIP is better for most people because it averages out market volatility and doesn't require a large upfront amount. Lumpsum can be better if you time the market well.
Can I change my SIP amount later?
Yes! Most mutual fund companies allow you to increase, decrease, or stop your SIP anytime. Many investors do a step-up SIP where they increase the amount yearly.