Plan your financial goals by calculating the future value of your SIP investments.
Invested Amount
₹0
Est. Returns
₹0
Maturity Value
₹0
| Year | Yearly Investment | Interest Earned | Closing Balance |
|---|
Investing through a Systematic Investment Plan (SIP) is one of the smartest ways to build long-term wealth. Instead of waiting for the “perfect time” to invest, SIPs let you invest a fixed amount every month, bringing discipline and consistency to your financial journey. Whether you’re saving for retirement, a child’s education, or your dream home, our SIP calculator helps you estimate how much wealth you can create over time through the power of compounding and rupee cost averaging.
Our easy-to-use SIP calculator provides an instant projection of your investment growth. Follow these simple steps:
A Systematic Investment Plan is not an investment itself, but a method of investing regularly in mutual funds. It automates your investment, reduces market timing risk, and helps you accumulate wealth steadily.
Markets fluctuate constantly. With SIPs, you buy more mutual fund units when prices are low and fewer units when prices rise. This approach averages your overall purchase cost and minimizes the risk of investing at the wrong time.
The real magic of SIPs lies in compound interest. The returns you earn on your investments start generating their own returns, leading to exponential growth over time. A SIP return calculator clearly shows how small, consistent investments can multiply over decades.
A Step-Up SIP is a variation where you increase your monthly contribution by a fixed percentage every year — usually 5–10%. This simple tweak helps you invest more as your income grows and reach your goals faster.
Our calculator includes an “Annual Step-Up” option so you can see how even a small yearly increment can make a big difference in your final corpus.
It estimates how much your investments can grow based on your monthly contribution, duration, and expected return rate. It helps you plan ahead and visualize the impact of your investments.
No. The calculator uses mathematical formulas for projection, but real-world returns depend on market performance. Use it as a guide for planning, not a guaranteed outcome.
For long-term SIPs in equity mutual funds, 10–12% is a realistic assumption. Debt or hybrid funds will have lower returns.
While this tool is designed for SIPs, you can use a lumpsum calculator for one-time investments. However, you can still estimate lumpsum results by entering the total amount and setting other fields accordingly.
Yes. Our mutual fund SIP calculator is completely free, with unlimited use — no sign-up or payment required.
Building wealth isn’t about timing the market — it’s about time in the market. SIPs make it easy for anyone to start investing with discipline and consistency. Use our online SIP calculator to estimate your returns, explore different scenarios, and plan your financial goals confidently. Start small, stay consistent, and let compounding do the heavy lifting for your future.