📈 Investment Calculator

SIP Returns
Calculator

Calculate the future value of your Systematic Investment Plan. See how small monthly investments grow into significant wealth over time through the power of compounding.

12-15%Avg equity returns

₹1Cr+Possible in 20 yrs @ ₹10k/mo

📈

SIP Calculator

Monthly investment growth estimator

Monthly Investment (₹)

Expected Return Rate (% p.a.)

1%12%30%

Investment Period (Years)

1yr10 yrs40yrs

Future Value

₹0

Invested Amount

₹0

Returns Earned

₹0

Wealth Ratio

CAGR

How SIP Calculator Works

Enter Monthly SIP

Input your monthly investment amount. Even ₹500/month can build wealth over time.

Set Expected Rate

Choose expected annual return. Equity mutual funds historically return 12–15% p.a.

Choose Time Period

Longer the tenure, more the compounding magic. 10+ years is ideal.

Get Future Value

Instantly see maturity amount, total invested and returns generated.

SIP Formula

Formula Used

FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r) P = Monthly investment | r = Monthly rate | n = Number of months

Frequently Asked Questions

What is a SIP?▼

A Systematic Investment Plan (SIP) allows you to invest a fixed amount in mutual funds every month. It averages out your cost (rupee cost averaging) and benefits from compounding over time.

What return rate should I use for SIP?▼

For equity mutual funds, 10–14% p.a. is a reasonable long-term assumption based on historical data. Debt funds typically yield 6–8%.

Can I pause or stop my SIP?▼

Yes, most mutual fund SIPs can be paused or stopped anytime. Your existing investments continue to grow.

Is SIP amount tax deductible?▼

ELSS mutual fund SIPs qualify for deduction under Section 80C up to ₹1.5 lakh per year under the old tax regime.

SIP ReturnsCalculator

How SIP Calculator Works

SIP Formula

Frequently Asked Questions

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