SIP Calculator – Systematic Investment Plan Returns

Monthly Investment ₹5,000

₹

Expected Annual Return (%) 12%

Time Period (Years) 10 yrs

yrs

Maturity Value

₹0

Total Investment ₹0

Wealth Gained ₹0

Total Invested

₹0

Wealth Gained

₹0

Absolute Returns

CAGR

💡 Quick Facts

SIP averages out market volatility through rupee cost averaging
Even ₹500/month can grow to ₹2+ lakhs in 10 years at 12%
SIPs are the most popular way to invest in mutual funds in India

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What is SIP?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount in mutual funds at regular intervals — typically monthly. SIP is one of the most popular investment strategies in India, as it promotes financial discipline and leverages the power of compounding.

SIP Formula

M = P × { [(1 + r)ⁿ − 1] / r } × (1 + r)

Where:
M = Maturity Amount
P = Monthly SIP amount
r = Monthly rate of return (Annual rate ÷ 12)
n = Number of months (Years × 12)

Benefits of SIP

📅 Discipline

Builds regular saving habits automatically.

📉 Rupee Cost Averaging

Buy more units when markets fall, fewer when they rise.

🔢 Power of Compounding

Returns generate more returns over time.

💸 Flexibility

Start with as little as ₹500/month. Pause or stop anytime.

How to Use This Calculator

Enter your monthly SIP investment amount
Set the expected annual return rate (historical equity mutual fund average: 12–15%)
Choose your investment duration in years
Click Calculate to see your maturity value and wealth gained