SIP Calculator
Monthly investment
Expected return rate (p.a)
Time period
Monthly investment
Expected return rate (p.a)
Time period
SIP vs Lumpsum — Growth Over Time
SIP Calculator – Systematic Investment Plan Returns Estimator
Many investors often mix up mutual funds and SIPs, but they’re not the same. A Systematic Investment Plan (SIP) is simply a disciplined method of investing in mutual funds—bit by bit, at fixed intervals—rather than investing a large lump sum all at once. SIPs make market participation easier and more consistent for regular investors.
The SIP Calculator is a practical tool that estimates how your investments could grow over time. It helps you understand the potential wealth creation from your monthly contributions, based on an expected rate of return. Whether you invest weekly, monthly, or quarterly, the calculator gives a clear snapshot of your estimated corpus at the end of your chosen tenure.
SIPs have become one of the most popular ways to invest in mutual funds—especially among young investors seeking consistent and goal-oriented growth. With this SIP calculator, you can project your total investment, expected gains, and maturity amount in seconds. It’s designed for simplicity, accuracy, and smarter decision-making—helping you plan your financial journey with confidence.
*Note: This calculator provides an estimate based on assumed returns. Actual results may vary depending on market conditions, fund performance, and applicable charges such as exit load or expense ratio.*
Why Use an SIP Calculator?
An SIP calculator lets you plan with clarity, compare strategies, and stay realistic about outcomes. It’s the fastest way to estimate corpus, fine-tune contributions, and align your goals with time horizons.
- Estimate maturity value instantly.
- Reverse-calc monthly amount from a target goal.
- Compare multiple rates, tenures, and scenarios.
How Does SIP Compounding Work?
SIPs grow on the power of compounding. Every monthly contribution earns returns, and those returns start earning their own returns as well. The longer you stay invested, the steeper the growth curve becomes.
- Invest at a fixed frequency (monthly SIPs are most common).
- Stay consistent to benefit from rupee-cost averaging.
- Let time and compounding do the heavy lifting.
SIP Maturity Formula
- A — Maturity amount
- P — Monthly investment (contribution)
- r — Rate of return per month (annual rate converted to monthly)
- n — Total number of instalments (months)
Projected SIP Growth
Investment Breakdown
Here’s how your final corpus is composed — the amount you’ve invested over time versus the wealth created through market returns.
Invested vs. Returns
How Are SIP Returns Calculated?
The SIP calculator uses a mathematical formula to determine the maturity value of your investments. This formula accounts for compounding returns on each monthly investment, giving you a precise idea of your total corpus.
SIP Return Calculation Formula
- A — Maturity amount
- P — Monthly investment
- r — Monthly rate of return
- n — Number of months invested
Benefits of Using an SIP Calculator
An SIP calculator empowers you to make informed investment decisions. It helps maintain consistency, visualize your growth, and adjust your SIPs as per your goals. Whether you’re saving for retirement or wealth creation, this tool makes planning easier and smarter.
- Plan your financial goals with clarity.
- Visualize future corpus and returns.
- Stay disciplined with consistent SIPs.
SIP vs Lump Sum Investment
Both SIP and lump sum investing have their merits. SIPs offer cost-averaging benefits and flexibility, while lump sum investments work well for those with available capital seeking long-term gains. The SIP calculator helps you evaluate which approach aligns best with your goals.
- SIPs help average out market volatility.
- Lump sum suits those with a large one-time capital.
- Both can be used strategically for portfolio balance.
Tips to Maximize SIP Returns
To make the most out of your SIP investments, start early, stay consistent, and periodically review your portfolio. Even small step-up increments can create huge long-term benefits thanks to compounding.
- Start investing early for maximum compounding effect.
- Increase SIP amount annually with a step-up plan.
- Avoid stopping SIPs during short-term market dips.
Start Your SIP Journey Today
SIPs make investing simple, flexible, and rewarding. With the help of an SIP calculator, you can visualize your financial future and stay committed to your goals. Begin today and let time and compounding work their magic.
- Define your goal and target timeline.
- Use SIP calculator to plan your monthly contribution.
- Stay invested — consistency builds wealth.
Frequently Asked Questions
An SIP Calculator helps you estimate the future value of your mutual fund investments made through a Systematic Investment Plan. You just enter your monthly investment, expected annual return, and investment period to see how your wealth can grow over time.
SIPs offer disciplined, periodic investing that smooths out market volatility through rupee-cost averaging. Lump sum investments are better for investors who have a large amount available at once. Both strategies can be effective depending on your goals and market timing.
Yes. You can increase, reduce, pause, or stop your SIP investment without penalties. However, consistent investing over the long term gives the best compounding results.