SIP Calculator
See what a monthly SIP could grow to.
Illustrative only — assumes a constant return and steady contributions. Actual mutual-fund returns vary and are not guaranteed. Not investment advice.
About the SIP Calculator
A SIP (Systematic Investment Plan) calculator estimates what a fixed monthly mutual-fund investment could grow into over time, thanks to compounding. Enter your monthly amount, the number of years, and an expected annual return to see the projected corpus, how much you invested, and the wealth gained.
How it’s calculated
Each monthly instalment earns returns for the remaining months, so early contributions compound the longest. The calculator treats your SIP as a series of monthly investments growing at a steady monthly rate (your annual return divided by 12) and sums their future values.
FV = P × [ ((1 + i)^n − 1) / i ] × (1 + i)FV = future value (final corpus), P = monthly investment, i = monthly return (annual rate ÷ 12 ÷ 100), n = number of monthly instalments (years × 12).
Frequently Asked Questions
How is SIP return calculated?
Each instalment is compounded for the months it stays invested and the results are added up. The standard formula is FV = P × [((1+i)^n − 1)/i] × (1+i), where P is the monthly amount, i the monthly return, and n the number of instalments.
How much should I invest in a SIP every month?
It depends on your goal and time frame. Use the calculator to work backwards — try different monthly amounts and years until the projected corpus matches what you need. Even ₹5,000–₹10,000 a month compounds meaningfully over 10–15 years.
Is a SIP better than a lumpsum investment?
SIPs spread your entry across time, averaging your purchase price and reducing timing risk, which suits regular earners. A lumpsum can do better if invested at a good time. Many investors use both — compare them with our SIP and Lumpsum calculators.
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