Investments
SIP Calculator
Systematic Investment Plan calculator
About the SIP calculator
Free SIP Calculator for mutual fund investments. Calculate SIP returns, maturity amount & plan your systematic investment with compounding benefits.
How the maths works
SIP Future Value Formula
FV = P × [((1 + R)^N - 1) / R] × (1 + R)- FV
- Future value of SIP
- P
- Monthly SIP amount
- R
- Monthly expected return rate
- N
- Number of monthly investments
A worked example
SIP Investment Example
| Monthly SIP | ₹10,000 |
| Expected Return | 12% per annum |
| Tenure | 15 years |
Maturity Amount: ₹50,01,148
How to use it
- Enter your monthly SIP amount
- Input expected annual return rate
- Specify investment tenure
- Get projected maturity value and wealth gained
What it accounts for
- Calculate SIP maturity amount
- Understand power of compounding
- Plan systematic wealth creation
- Compare different SIP amounts
- Analyze long-term investment growth
Why it is worth working out
- Disciplined investment approach
- Rupee cost averaging benefits
- Power of compounding over time
- Flexible investment amounts
Questions people ask
What is a SIP and how does it work?
A Systematic Investment Plan invests a fixed amount in a mutual fund at a fixed interval. Because the amount is fixed and the price is not, you buy more units when the market is down and fewer when it is up — rupee cost averaging. It is a schedule, not a product, and it does not by itself make an investment safe.
What return should I assume?
For a diversified equity fund over ten years or more, 10% to 12% is a defensible planning assumption. Anything above that is a forecast rather than a plan. Run the calculation at 10% and at 14% and treat the answer as a range, because the real sequence will resemble neither.
Can a SIP lose money?
Yes. Over one to three years an equity SIP can easily be under water, and it should be expected to be at some point. What rupee cost averaging does is make a falling market cheaper to buy into, not impossible to lose in. Money needed within three years does not belong in one.
Is a step-up SIP worth the extra effort?
It is the single easiest improvement available. Increasing a ₹10,000 monthly SIP by 10% a year for 20 years at 12% produces roughly ₹2.26 crore against about ₹1 crore for a flat SIP — you invest more, but the increase tracks your income so it never feels like a sacrifice.
What is the tax on SIP returns?
Each instalment is a separate purchase with its own holding period. Units held over 12 months are long-term, taxed at 12.5% on gains above ₹1.25 lakh a year; anything younger is short-term at 20%. Redeeming a long-running SIP therefore mixes both.
Read more on this
- A mutual fund NFO at ₹10 NAV is not cheaper than a fund at ₹500 — New Fund Offers are marketed like IPOs — get in early, at a low price. But a mutual fund's NAV is not a stock price, and ₹10 buys you exactly the same exposure as ₹500, with less track record to judge.
- Step-up SIPs: the 10% a year that doubles the outcome — A flat SIP assumes your income never rises. Raising the contribution 10% a year turns ₹1 crore into ₹2.26 crore over twenty years, and it never feels like a sacrifice.
- What missing the ten best days costs — Market timing requires being right twice. The arithmetic of missing a handful of days explains why almost nobody manages it.
- A 1% fee does not cost you 1% — it costs you a quarter of your money — Fees compound exactly the way returns do. Over thirty years, a one percentage point difference removes a startling share of the final corpus.
This calculator is for information and education. It is not financial advice — see the disclaimer.