📈 SIP Calculator

A SIP calculator estimates the future value of your Systematic Investment Plan in mutual funds. Enter your monthly SIP amount, expected annual return, and investment duration to see your estimated maturity value, total invested amount, and wealth gained over time.

🇺🇸 Calculating for United States

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SIP details

Monthly investment (₹)

Expected annual return (%)

Investment period (years)

Maturity value after 10 years

₹23,00,386.89

Investing ₹10,000.00/month at 12% expected annual return

Total invested

₹12,00,000.00

Total gains

₹11,00,386.89

Wealth multiple

1.92×

Growth over time — amount invested vs gains

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Frequently asked questions

What is SIP and how does it work?▾

SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. Your money buys units at the prevailing NAV, and returns are compounded over time through rupee cost averaging.

What is a good SIP return rate?▾

Equity mutual funds have historically delivered 10–15% CAGR over 10+ years. Debt funds typically return 6–8%. The SIP calculator uses your expected rate as an assumption — actual returns will vary.

How is SIP maturity value calculated?▾

SIP FV = P × [(1 + r)^n − 1] / r, where P = monthly investment, r = monthly rate (annual rate ÷ 12), n = total months. This assumes month-end investments.

Is SIP better than lumpsum investment?▾

SIP beats lumpsum in volatile markets through rupee cost averaging — you buy more units when NAV is low. For large one-time surpluses, lumpsum can outperform in steadily rising markets.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.