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SIP Calculator Online — Free Tool

Estimate the future wealth of your Systematic Investment Plan (SIP) based on monthly deposits, expected return, and duration.

SIP Calculator (Systematic Investment Plan)

Estimates future value for monthly investments using a monthly compounding assumption.

Future value
116,169.54
Amount invested
60,000
Estimated gain
56,169.54
Months: 120
Total
116,170
Amount Invested51.6%
Estimated Gain48.4%
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About this tool

A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals—typically monthly—into mutual funds or similar vehicles. This calculator projects corpus value based on monthly deposit, expected annual return, and tenure.

SIP benefits from rupee-cost averaging and compounding: each installment grows for the remaining period. Results are estimates; actual fund returns vary with market performance and expense ratios.

Common use cases

  • Planning monthly mutual fund contributions
  • Comparing SIP tenure options for a savings goal
  • Estimating retirement or education fund growth
  • Contrasting SIP returns with a one-time lump-sum investment

How to use

  1. Enter your monthly investment amount.
  2. Set the expected annual return rate and investment period in years.
  3. Review projected corpus, total invested, and wealth gained.
  4. Adjust tenure or monthly amount to hit a target corpus.

This page is available at /tools/sip-calculator/.

Understanding the result

  • Total invested equals monthly amount × number of months in the tenure.
  • Wealth gained is corpus minus total invested—this is market growth on your installments.
  • Higher expected return or longer tenure increases corpus nonlinearly due to compounding on each SIP.
  • Treat the rate as an assumption; historical fund returns do not guarantee future performance.

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Read: SIP vs Lump Sum: Which Is Better →

FAQ

What is SIP in mutual funds?

SIP is a disciplined way to invest a fixed sum at regular intervals into a fund, buying more units when prices are low and fewer when high.

How is SIP return calculated?

The tool compounds each monthly installment at the stated annual rate for the months remaining until maturity.

What return rate should I use?

Many equity funds are modeled at 10–12% long term, debt funds lower. Use a conservative figure for planning.

Is SIP better than lump sum?

SIP reduces timing risk through averaging. Lump sum can outperform in rising markets. Compare both calculators for your horizon.