About SIP Calculator
Estimate the future value of a mutual-fund SIP (Systematic Investment Plan). See how regular monthly investments grow over time through compounding and rupee-cost averaging.
How to Use
- Enter your monthly SIP amount.
- Enter the expected annual return rate (equity funds are often assumed at 10–12%).
- Enter the investment duration in years.
- See the total invested, estimated returns, and projected corpus.
Why Use This Tool?
- Accurate — built on precise, well-tested mathematical formulas.
- Instant — all calculations happen client-side for zero latency.
- Private — no data is sent to any server; your information stays on your device.
- Free — no sign-up, no limits, no hidden costs.
Frequently Asked Questions
How are SIP returns calculated?
Each instalment compounds for the remaining months using the future-value-of-annuity formula: M × ((1+i)^n − 1) ÷ i × (1+i), where M is the monthly amount, i the monthly return, and n the number of instalments.
Are SIP returns guaranteed?
No. SIPs invest in market-linked mutual funds, so returns vary. The figure here is a projection based on the return rate you enter — actual results depend on market performance.
What is rupee-cost averaging?
Because you invest a fixed amount regularly, you buy more units when prices are low and fewer when high. Over time this averages out your purchase cost and reduces the impact of market timing.
What is the SIP formula?
Maturity M = P × ([(1 + i)^n − 1] ÷ i) × (1 + i), where P is the amount invested each period, i is the periodic return (annual rate ÷ 12 for a monthly SIP) and n is the number of instalments. For example, ₹5,000/month for 10 years at 12% p.a. grows to about ₹11.6 lakh.
Can I add a one-time lump sum to my SIP?
Yes. Use the 'Initial Investment' field to add a lump sum invested at the start — it grows separately as L × (1 + i)^n and is added on top of your regular SIP corpus.
What is a step-up SIP?
A step-up (or top-up) SIP increases your instalment by a fixed percentage every year as your income grows. Enter a percentage in the 'Annual Step-up' field to see how even a 10% yearly increase significantly raises your final corpus.