SIP Calculator
Find out how much your monthly Systematic Investment Plan (SIP) could be worth in the future. Move the sliders and the result updates instantly.
How this calculator works
A SIP invests a fixed amount every month. Each instalment earns returns for the months it stays invested, and those returns earn returns of their own. This calculator uses the standard formula used across the mutual fund industry:
FV = P × [((1 + i)n − 1) ÷ i] × (1 + i)
where P is the monthly amount, i is the monthly rate (annual return ÷ 12) and n is the number of months.
Things to keep in mind
- Equity funds have historically suited goals 7 years or more away. For shorter goals, look at debt or hybrid funds.
- Use 10–12% for long-term equity assumptions and 6–7% for debt. Real returns vary every year.
- Increase your SIP when your income rises. Try the Step-up SIP calculator to see the difference.
FAQs
Is the SIP return guaranteed?
No. Mutual fund returns depend on the market. The calculator shows an illustration at the return you assume.
What is the minimum SIP amount?
Most mutual fund schemes accept SIPs from ₹500 or ₹1,000 a month. Some allow ₹100.
Can I stop or change my SIP?
Yes. Open-ended fund SIPs can be paused, increased or stopped at any time. ELSS instalments have a 3-year lock-in each.
Get this plan reviewed by an expert
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