All calculators
📈

SIP Calculator

Calculate the wealth you can generate through monthly SIP investments over time.

📈
SIP Calculator
Calculate the wealth you can generate through monthly SIP investments over time.
Monthly SIP amount
₹
five thousandrupees
Expected annual return (%)
%
Investment period
Years
Total corpus
₹25,22,880
64%
returns
Invested
Returns
Monthly SIP₹5.0K
Total invested₹9.00 L
Estimated returns₹16.23 L
Total corpus₹25.23 L
Start SIP now →

For illustration only. MF returns not guaranteed. Market risks apply.

⚠️ Disclaimer: Results are for illustration only. Mutual Fund investments subject to market risks. Assumed returns may not reflect actual performance. Read all scheme-related documents carefully. Not investment advice.
About this calculator

SIP Calculator — explained

Our free SIP Calculator is a powerful online tool that helps Indian investors estimate the future value of their Systematic Investment Plan in mutual funds. Whether you are a salaried professional starting your first SIP, a parent planning for your child's education, or someone preparing for retirement, this SIP returns calculator gives you a clear, data-driven projection in seconds. Just enter your monthly SIP amount, the expected annual return rate, and your investment tenure to instantly see the total amount invested, estimated returns generated from compounding, and the final maturity corpus.

SIP investing has become the cornerstone of wealth creation for crores of Indians because it combines two of the most powerful concepts in personal finance — rupee cost averaging and the power of compounding. Unlike trying to time the market, which even seasoned professionals struggle with, a monthly SIP automates investing across market highs and lows, smoothing out volatility while building substantial wealth over the long term. Use this online SIP planner to set realistic financial goals, compare different mutual fund scenarios, and start your investment journey with confidence — backed by AMFI Registered Mutual Fund Distributor Nithin Finserv in Bengaluru (ARN: 307760).

What is the SIP Calculator?

A Systematic Investment Plan (SIP) is a disciplined method of investing in mutual funds where you contribute a fixed amount at regular intervals — most commonly monthly. Introduced in India over two decades ago, SIPs are now the most popular form of mutual fund investment, with monthly SIP inflows in India crossing ₹25,000 crores. SIPs work across all asset classes including equity mutual funds, debt funds, ELSS (Equity Linked Savings Schemes) for tax saving under Section 80C, hybrid funds, and index funds. The minimum SIP amount in most schemes is just ₹500 per month, making mutual fund investing accessible to first-time investors, students, salaried professionals, and seasoned investors alike.

How it works — the formula

The SIP maturity formula is M = P × [((1 + r)^n − 1) / r] × (1 + r), where P is the monthly SIP amount, r is the monthly rate of return (annual rate divided by 12), and n is the total number of months. Each instalment compounds for the remaining time in your investment horizon, so the earliest contributions generate the largest returns. The SIP calculator processes this maths instantly to show you invested capital, wealth created from market returns, and the final corpus.

How to use this calculator

  1. 1Enter your monthly SIP amount in rupees — start as low as ₹500/month if you're a beginner
  2. 2Set the expected annual return rate (10–14% is the typical historical range for diversified equity mutual funds in India)
  3. 3Choose your investment horizon in years — longer horizons benefit dramatically more from compounding
  4. 4Read the live results showing total invested, estimated returns, and final SIP maturity corpus
  5. 5Try different scenarios — increase the SIP amount, extend the tenure, or compare two plans side by side
  6. 6Use the projected corpus to plan real-life goals like retirement, home buying, or your child's education
  7. 7Speak to an AMFI Registered Mutual Fund Distributor to choose the right scheme and start your SIP

Key features

  • ✓Real-time SIP maturity calculation with instant updates as you change inputs
  • ✓Donut chart visualisation of invested capital vs estimated returns
  • ✓Works for any monthly SIP amount, any tenure up to 40 years, and any return rate
  • ✓Mobile-friendly design — calculate on phone, tablet, or desktop
  • ✓Free to use with no signup, login, or personal details required
  • ✓Built and backed by AMFI Registered MFD Nithin Finserv with 40+ AMC partnerships

Frequently asked questions

What is an SIP in mutual funds?
A Systematic Investment Plan lets you invest a fixed amount into a mutual fund scheme every month or quarter. It is the most popular way for salaried Indians to invest in equity mutual funds because it removes the need to time the market and builds the habit of consistent, automated investing.
How accurate is this SIP calculator?
The maths is exact for the assumed return rate you input. Real-world output depends on the actual performance of the chosen mutual fund, which varies year to year. Use 10–12% as a reasonable, conservative assumption for diversified equity mutual fund SIPs over 7+ year horizons.
Can I start an SIP with ₹500 per month?
Yes. Most mutual fund schemes accept SIPs starting from ₹500 per month, and some accept ₹100. Start with whatever you can afford consistently — even a small SIP started early beats a large SIP started late.
Is SIP better than a fixed deposit?
For investment horizons of 7+ years, equity SIPs have historically delivered significantly higher post-tax, inflation-adjusted returns than fixed deposits. FDs offer capital safety and guaranteed returns; SIPs in equity offer growth potential with market-linked risk. Many investors hold both.
Are SIP returns taxable in India?
Yes. Equity mutual fund gains held for over 12 months are taxed at 12.5% LTCG above ₹1.25 lakh per financial year. Short-term gains (under 12 months) are taxed at 20%. Debt fund SIP taxation differs by holding period — speak to your distributor or tax advisor for specifics.
Can I increase my SIP amount later?
Yes. Most AMCs support 'step-up SIPs' that automatically increase the contribution by a fixed percentage or amount every year. You can also manually increase your SIP at any time when your salary or surplus income grows.
What happens if I miss an SIP instalment?
Most fund houses do not charge a penalty for a missed SIP, but your bank may levy a small dishonour fee. If three consecutive SIP instalments fail, the AMC may automatically pause the SIP. You can resume by adding funds and reinitiating.
Which is the best SIP for beginners in India?
Beginners are typically guided towards a large-cap or flexi-cap diversified equity fund, or a Nifty 50 index fund SIP for lower cost. The 'best' SIP depends on your goal, horizon, and risk appetite — consult an AMFI Registered Mutual Fund Distributor before deciding.
Can NRIs invest in Indian mutual funds via SIP?
Yes. NRIs (excluding those resident in the USA and Canada at most fund houses) can invest in Indian mutual funds via SIPs through NRE or NRO bank accounts, subject to FATCA and KYC compliance. Tax implications differ — check with a CA familiar with NRI taxation.
How is SIP different from a recurring deposit (RD)?
RDs offer guaranteed, fixed-interest returns and are bank deposits with no market risk. SIPs invest in mutual funds with market-linked, variable returns that historically have outperformed RDs over long horizons. RDs are best for short-term safety; equity SIPs for long-term wealth.
📞 9060186197💬 WhatsApp