SIP Calculator – Estimate Your Mutual Fund Returns Instantly

Plan your mutual fund investment smartly and see how wealth grows over time.

Estimated Corpus

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Total Invested: ₹ 0

Estimated Returns: ₹ 0

What is a SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is a structured way of investing a fixed amount in mutual funds at regular intervals, usually monthly. Instead of investing a large lump sum amount at once, SIP allows investors to contribute smaller amounts consistently. This approach promotes disciplined investing and reduces the stress of market timing.

How This SIP Calculator Works

Enter your monthly investment amount, expected annual rate of return, and investment duration in years. Click Calculate SIP to see your estimated corpus, total invested amount, and estimated returns.

The SIP Formula

FV = P × [((1 + r)^n − 1) / r] × (1 + r)

Where P = Monthly investment, r = Monthly rate of return (annual rate ÷ 12 ÷ 100), n = Total number of months.

Benefits of SIP

1. Financial Discipline

SIP encourages consistent investing. Money is automatically invested every month, building a habit of saving before spending.

2. Rupee Cost Averaging

Markets fluctuate daily. SIP helps reduce risk by purchasing more units when markets are low and fewer when markets are high.

3. Affordable Entry

You can start investing with as little as ₹500 per month in many mutual funds in India.

Tips for Maximizing SIP Returns

Also try: Use our EMI Calculator to plan your loan repayments, our FD Calculator to compare SIP vs FD returns, our PPF Calculator for tax-free savings, or our Income Tax Calculator to see how ELSS SIP saves tax under Section 80C.

Frequently Asked Questions

1. What is the minimum SIP amount in India?

Most mutual funds allow SIP investments starting from ₹500 per month.

2. Are SIP returns guaranteed?

No, SIP returns depend on market performance. Mutual fund investments are subject to market risks.

3. How long should I continue a SIP?

For meaningful wealth creation, stay invested for at least 5–10 years or longer to benefit from compounding.