SIP Calculator — Calculate Mutual Fund Returns & Wealth Growth Instantly
Plan your SIP investments with precision — calculate maturity value, total gain, and year-by-year growth. Compare monthly SIP vs lumpsum. Perfect for financial planning, retirement goals, and mutual fund research. No login, no data stored.
⚡ All calculations happen in your browser. Zero data stored.
How to Use the SIP Calculator
What Is SIP? How Does Compounding Work?
A Systematic Investment Plan (SIP) is a disciplined way to invest a fixed amount in mutual funds every month. Instead of timing the market with a lumpsum, SIP lets you invest regularly and benefit from rupee-cost averaging — buying more units when prices are low and fewer when prices are high, smoothing out volatility.
The real magic of SIP is compounding: your gains generate further gains over time. A ₹5,000/month SIP at 12% for 20 years turns ₹12 lakh invested into over ₹49 lakh. At 25 years, the same SIP crosses ₹95 lakh. Starting early makes an enormous difference.
Frequently Asked Questions
What is a good return rate to use in the calculator?
For large-cap equity funds, 10–12% annually is a conservative and commonly used estimate for long-term planning. Mid/small-cap funds may return higher but with more volatility. Debt funds typically return 5–8%. Use lower rates for more conservative projections.
How is SIP maturity value calculated?
The formula is: M = P × [((1 + r)^n − 1) / r] × (1 + r), where P = monthly amount, r = monthly return rate (annual ÷ 12), n = total months. This calculator implements this formula exactly for the SIP tab.
What is the Step-Up SIP feature?
Step-up SIP means increasing your monthly investment by a fixed percentage every year. For example, if you start with ₹5,000/month and step up by 10% annually, your contribution becomes ₹5,500 in year 2, ₹6,050 in year 3, and so on. This significantly boosts your final corpus.
What is the difference between SIP and lumpsum?
SIP spreads investment over time, reducing the risk of investing everything at a market peak. Lumpsum involves investing a large amount at once — it's more profitable if timed well (when markets are low), but riskier. SIP is recommended for regular salaried investors; lumpsum suits those with a windfall to invest.
Are the results shown here guaranteed returns?
No. This calculator shows projected returns based on a fixed rate you enter. Actual mutual fund returns vary based on market conditions, fund management, and category. Past performance is not a guarantee of future results. This tool is for planning and estimation only.