Investment details
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% p.a.
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Enter your SIP details above and hit Calculate
Calculate returns on your Systematic Investment Plan — see how monthly investments grow over time.
Enter your SIP details above and hit Calculate
A SIP (Systematic Investment Plan) calculator helps you estimate the returns on regular monthly investments in mutual funds. You enter your monthly investment amount, expected annual return rate and investment period, and the calculator shows your total invested amount, estimated returns and final corpus value using compound interest.
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It allows investors to build wealth gradually through the power of compounding and rupee cost averaging.
SIP returns use the compound interest formula applied to each monthly installment. The formula is: M × [(1+r)^n - 1] ÷ r × (1+r), where M is monthly investment, r is monthly rate (annual ÷ 12) and n is number of months.
In India, equity mutual funds have historically delivered 12–15% annual returns over long periods. Debt funds return 6–8%. For conservative estimates use 10–12%, and for aggressive equity SIPs use 14–15%.
Financial planners generally recommend investing at least 20% of your monthly income. For wealth creation goals, use the 15-15-15 rule: invest ₹15,000/month for 15 years at 15% return to accumulate approximately ₹1 crore.
SIP is generally better for salaried investors as it averages out market volatility (rupee cost averaging) and requires less capital upfront. Lump sum investing can outperform SIP in strongly rising markets but carries higher timing risk.
Yes, most mutual fund SIPs can be paused or stopped anytime without penalty. The invested amount remains in the fund and continues to earn returns. You can restart or modify SIP amounts based on your financial situation.