SIP Calculator
Calculate how your monthly SIP investments grow over time with the power of compounding.
₹
₹500₹100000
yrs
1 yrs30 yrs
%
1%30%
Total Investment
₹12,00,000
Est. Returns
₹11,23,391
Total Value
₹23,23,391
Total Value₹23,23,391
Investment₹12,00,000
Returns₹11,23,391
How SIP Returns Are Calculated
The SIP calculator uses the future value of an annuity formula:
FV = M × [((1 + r)n - 1) / r] × (1 + r)
Where M is the monthly investment, r is the monthly rate of return (annual rate / 12 / 100), and n is the total number of months.
For example, investing ₹10,000 per month for 10 years at 12% annual returns gives a total value of ₹23,23,391 on a total investment of ₹12,00,000.
Frequently Asked Questions
What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It leverages rupee cost averaging — you buy more units when prices are low and fewer when prices are high — reducing overall risk over time.
What is the minimum amount needed to start a SIP?
Most mutual funds in India allow you to start a SIP with as low as Rs 500 per month. Some funds have a minimum of Rs 100 or Rs 1,000. There is no upper limit for SIP investments.
What returns can I expect from SIP?
SIP returns depend on the type of mutual fund. Historically, equity mutual funds in India have delivered 12-15% CAGR over long periods (10+ years). Debt funds typically deliver 6-8%. Past performance does not guarantee future returns.
Is SIP better than lumpsum investment?
SIP is generally better for salaried individuals who earn monthly and want to invest regularly. It reduces the risk of market timing. Lumpsum is suitable when you have a large amount to invest and the market is at reasonable valuations. Both approaches have their merits.
Can I stop or modify my SIP anytime?
Yes, SIPs in open-ended mutual funds can be stopped, paused, increased, or decreased at any time without penalty. There is no lock-in period for regular mutual fund SIPs (except ELSS which has a 3-year lock-in per instalment).