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SIP Calculator - Calculate Mutual Fund Returns

Calculate returns from your Systematic Investment Plan (SIP) in mutual funds with detailed year-wise projections and growth charts

SIP Investment Details

₹500 ₹1,00,000
1% 30%
1 40
0% 20%
Increase your SIP amount annually
Maturity Value
₹49,95,740
Total Investment ₹18,00,000
Estimated Returns ₹31,95,740
Return Rate 12.0% p.a.

Investment vs Returns

Investment Growth Over Time

Year-Wise SIP Growth

Year Investment (Yearly) Total Invested Returns Earned Total Value

What is SIP?

SIP (Systematic Investment Plan) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly/quarterly). It's a disciplined approach that leverages the power of compounding and rupee cost averaging to build wealth over time.

SIP Calculation Formula

SIP returns are calculated using the formula:

FV = P × [{(1 + r)^n - 1} / r] × (1 + r)
  • FV = Future Value (Maturity Amount)
  • P = Monthly SIP amount
  • r = Monthly rate of return (Annual rate / 12)
  • n = Total number of months

Benefits of SIP Investment

  • Rupee Cost Averaging: Buy more units when prices are low, fewer when high
  • Power of Compounding: Your returns generate further returns
  • Disciplined Investing: Automatic monthly investments build discipline
  • Flexibility: Start with as low as ₹500 per month
  • Wealth Creation: Ideal for long-term wealth accumulation
  • Tax Benefits: ELSS SIPs offer tax deductions under 80C

How to Start SIP?

  1. Choose a mutual fund scheme based on your goals and risk profile
  2. Complete your KYC (Know Your Customer) documentation
  3. Decide your monthly SIP amount and date
  4. Set up auto-debit from your bank account
  5. Monitor your investments quarterly
  6. Stay invested for long-term to maximize returns

SIP vs Lump Sum

  • SIP: Regular small investments, reduces timing risk, builds discipline
  • Lump Sum: One-time large investment, higher potential returns in bull markets
  • Best Approach: Combine both - invest lumpsum when available, continue SIP regularly

What is Step-Up SIP?

Step-up SIP allows you to increase your monthly SIP amount periodically (usually annually). As your income grows, you can increase investments to reach financial goals faster. Even a 5-10% annual increase can significantly boost your corpus.