Calculate your SIP returns and plan your systematic investment journey. See how regular monthly investments can help you build wealth over time through the power of compounding.
Monthly Investment
Expected Return Rate (p.a.)
Time Period
Total Invested
₹6,00,000
Est. Returns
₹5,61,695
Total Value
₹11,61,695
SIP Growth Projection
Follow these simple steps to get accurate SIP investment projections:
Choose how much you want to invest monthly. Start as low as ₹100 or go higher based on your budget. Use the slider or type the exact amount.
Enter your expected annual return percentage. Historical equity fund returns range from 10-15%. Conservative investors can use 8-10%, aggressive can use 12-15%.
Select how long you plan to invest. Longer periods benefit more from compounding. Minimum 5 years recommended for equity SIPs.
See instant projections showing total invested amount, estimated returns, and final corpus. Interactive charts visualize your wealth growth year by year.
Pro Tip: All calculations update in real-time as you adjust values. Try different scenarios to find what works best for your financial goals!
A SIP (Systematic Investment Plan) calculator is your starting point for building long-term wealth through mutual funds. Whether you're saving for your child's education, planning for retirement, or building a corpus for your dream home, SIPs help you invest regularly without timing the market. The beauty of SIP lies in rupee cost averaging - when markets fall, you buy more units, and when they rise, you benefit from appreciation. This calculator shows you exactly how your monthly investments can grow over time through the power of compounding, helping you set realistic financial goals and stay motivated on your investment journey.
Start by entering your monthly investment amount - even ₹1,000 can make a difference over time. Next, set your expected annual return rate; most equity mutual funds have historically delivered 10-15% over long periods, so 12% is a reasonable estimate. Then choose your investment duration - remember, SIP works best for goals that are at least 5 years away. As you adjust these numbers, watch the results update instantly. Try different scenarios: What if you increase your SIP by just ₹1,000? What happens if you invest for 5 more years? These simple experiments will help you understand the massive impact of small changes over time.
The calculator shows three critical numbers: your total investment (the actual money you'll put in), the estimated returns (the wealth created through compounding), and the maturity value (your total corpus). The chart visualizes how your wealth grows over time - notice how the gap between your investment and returns widens dramatically in later years. This is compounding at work. The maturity value is what you'll likely have at the end, though actual returns may vary based on market performance. Use this estimate to check if you're on track for your goals, and adjust your monthly investment or duration accordingly.
Meet Priya, a 28-year-old software engineer who wants to save ₹50 lakhs for her child's higher education in 15 years. She starts a SIP of ₹10,000 per month in a diversified equity fund expecting 12% annual returns. Over 15 years, she'll invest ₹18 lakhs of her own money. But thanks to compounding, her investment grows to approximately ₹50 lakhs - meaning she earned ₹32 lakhs in returns! If Priya had waited 5 years to start, she would need to invest ₹22,000 per month to reach the same goal. This is why starting early matters so much, even if you start small.
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A SIP (Systematic Investment Plan) calculator helps you estimate the returns on your regular monthly investments in mutual funds. It calculates the future value of your investments based on the monthly amount, expected return rate, and investment duration using the compound interest formula.
The SIP calculator provides estimates based on the expected rate of return you input. Actual returns may vary as mutual fund returns fluctuate with market conditions. The calculator uses the standard SIP formula: FV = P × ((1 + r)^n - 1) / r × (1 + r), where P is monthly investment, r is monthly return rate, and n is total months.
Most mutual funds in India allow SIP investments starting from as low as ₹100 per month. However, popular amounts are ₹500, ₹1,000, or ₹5,000 per month. Some funds may have higher minimums like ₹1,000 or ₹5,000 depending on the fund house.
Historically, equity mutual funds in India have delivered returns between 10-15% annually over long periods. Debt funds typically return 6-9%. For calculation purposes, 12% is commonly used as a moderate estimate for diversified equity funds, though actual returns will vary.
SIP works best for long-term goals of 5 years or more. The longer you invest, the more you benefit from compounding. For wealth creation and retirement, 15-20 years or more is ideal. Short-term goals (1-3 years) may be better suited for debt funds rather than equity SIP.
Yes, SIPs are flexible and can be stopped, paused, or modified at any time without penalties. However, for best results, it's recommended to continue your SIP even during market downturns to benefit from rupee cost averaging.
SIP is generally better for regular investors as it averages out market volatility through rupee cost averaging and doesn't require a large amount upfront. Lumpsum can work better if you have a significant amount to invest and markets are at lower levels. For most salaried individuals, SIP is the preferred method.
Yes, SIP returns compound over time. The returns generated on your investments get reinvested automatically in most mutual funds, leading to compounding growth. This is why longer investment periods can result in exponentially higher returns.
Yes, SIP returns are subject to capital gains tax. For equity mutual funds, gains up to ₹1 lakh per year are tax-free (LTCG). Beyond that, 10% tax applies on long-term gains (held >1 year). Short-term gains are taxed at 15%. Tax-saving ELSS funds have a 3-year lock-in period.
All SIP calculators use the same mathematical formula, so results should be identical given the same inputs. The best SIP calculator is one that's easy to use, provides visual representations, and helps you understand your investment growth. Our calculator works for all Indian banks and AMCs including SBI, HDFC, ICICI, Axis, and more.
Not Financial Advice: This calculator provides estimates for educational and informational purposes only. It is not financial, investment, tax, or legal advice. Actual returns may vary significantly based on market conditions.
SEBI Compliance: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. The NAV of the scheme may go up or down depending upon the factors and forces affecting securities markets.
Consult a Professional: We strongly recommend consulting with a SEBI-registered investment advisor before making any investment decisions. Consider your financial situation, risk tolerance, and investment goals.
This calculator is provided as-is without warranties. CalcReady.com is not a SEBI-registered investment advisor and does not offer personalized investment recommendations.
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