SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (monthly/quarterly) in mutual funds. It helps build wealth through compounding over time.

How is SIP return calculated?

SIP returns use the compound interest formula applied to each monthly installment separately. The total maturity value = sum of FV of each installment, where FV = P × (1 + r/n)^(nt).

What is FD (Fixed Deposit)?

A Fixed Deposit is a secure bank investment where you deposit a lump sum for a fixed period at a guaranteed interest rate. It's safer than equity but gives lower returns.

SIP Calculator — See Exactly How Much Your Monthly SIP Will Grow

Q: What is a good SIP return rate?

Historically, equity mutual funds in India have given 10–15% CAGR over long periods. Debt funds typically return 6–8%. The calculator default of 12% is a reasonable estimate for equity funds.

Q: How much should I invest in SIP per month?

A general rule is to invest 20–30% of your monthly income. Use the 'Goal SIP' calculation: if you want ₹1 crore in 20 years at 12%, you need to invest approximately ₹10,000/month.

Q: SIP vs FD — which is better?

SIPs in equity mutual funds typically generate higher long-term returns (10–14%) vs FDs (6–7.5%), but carry market risk. FDs are safer with guaranteed returns. The right choice depends on your risk appetite and goals.

Calculate SIP maturity amount, FD returns, and lumpsum growth with year-by-year breakdown. 100% free, instant results.

📖 Read SIP Calculator Guide

Monthly Investment ₹5,000

₹500 ₹2L

Expected Annual Return 12%

1% 30%

Investment Duration 10 yrs

1 yr 40 yrs

One-Time Investment ₹1,00,000

₹1K ₹1 Cr

Expected Annual Return 12%

1% 30%

Investment Duration 10 yrs

1 yr 40 yrs

Principal Amount ₹1,00,000

₹1K ₹1 Cr

Annual Interest Rate 7%

1% 15%

Tenure 5 yrs

1 yr 30 yrs

Compounding Frequency Quarterly

ℹ️ Returns are estimated based on the entered rate. Actual mutual fund returns may vary. This is for educational purposes only.

What Is a SIP Calculator?

A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your monthly mutual fund investments. By entering your monthly SIP amount, expected return rate, and investment duration, you can instantly see your total invested amount, estimated returns, and the final maturity value.

How to Use This Calculator — Step-by-Step

Choose the calculator type — SIP (monthly), Lumpsum (one-time), or FD (fixed deposit).

Adjust the sliders — investment amount, expected return rate, and duration.

See your maturity amount, total gains, and year-by-year growth table instantly.

📊 SIP vs FD vs Lumpsum — Quick Comparison

Feature	SIP	Lumpsum	FD
Investment Type	Monthly	One-time	One-time
Typical Returns (India)	10–14% p.a.	10–14% p.a.	6–8% p.a.
Risk	Moderate	Moderate-High	Very Low
Returns Guaranteed?	No	No	Yes

Frequently Asked Questions

What is SIP?

SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It helps build wealth through rupee-cost averaging and compounding.

What is a good SIP return rate?

Equity mutual funds in India have historically returned 10–15% CAGR over 10+ years. Debt funds return 6–8%. 12% is a reasonable estimate for equity funds.

How much should I invest in SIP per month?

A general rule is 20–30% of your monthly income. Use our calculator to set a goal — for example, to reach ₹1 crore in 20 years at 12%, you need ~₹10,000/month.

SIP vs FD — which is better?

SIP in equity funds typically gives higher returns (10–14%) but carries market risk. FDs give guaranteed 6–7.5% returns. Choose based on your risk appetite and investment goal.

Is this calculator 100% free?

Yes, completely free with no signup required. Use it as many times as you want.

Does it work on mobile?

Yes, fully responsive — works perfectly on smartphones, tablets, and desktops.

📚 About SIP Investing in India

SIP investing has grown enormously in India, with AMFI reporting over ₹19,000 crore in monthly SIP inflows as of 2024. The power of SIP lies in rupee cost averaging — buying more units when markets are low and fewer when high — and compounding , which Einstein called the eighth wonder of the world.

Popular SIP mutual fund categories include Large Cap, Mid Cap, Small Cap, Flexi Cap, and ELSS (tax-saving) funds. You can start a SIP with as little as ₹100/month through platforms like Zerodha, Groww, or directly through AMC websites.