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SIP Calculator
Calculate SIP returns with compounding. Year-by-year growth table and wealth gain analysis.
⭐ Used by 3,847 people

The SIP (Systematic Investment Plan) Calculator helps you calculate returns on monthly mutual fund investments. See exactly how much wealth you can build by investing small amounts regularly.

How SIP Works

  • You invest a fixed amount every month (e.g., ₹5,000)
  • The money is invested in mutual funds
  • Returns are compounded monthly
  • Over time, small investments grow into large wealth

SIP Formula

M = P × [(1+i)^n - 1] / i × (1+i)
Where:
M = Maturity amount
P = Monthly investment
i = Monthly interest rate
n = Number of months

Power of SIP — Real Examples

Monthly SIPYearsReturnWealth
₹5,0001012%₹11.6L
₹5,0002012%₹49.9L
₹10,0002012%₹99.9L

Why Start SIP Early?

Starting a SIP at age 25 vs 35 can make a difference of crores by retirement. Even ₹1,000/month started at 25 can become ₹35+ lakhs by age 60 at 12% returns!

📖 Complete Guide
Formulas, examples, tips & FAQs
Read Article →

Frequently Asked Questions

How does a SIP calculator work?

It estimates the future value of regular monthly investments using your contribution amount, expected annual return, and investment duration, applying compound growth.

Are SIP returns guaranteed?

No. SIP invests in market-linked instruments, so returns vary and are not guaranteed. The calculator uses an assumed rate to give an estimate, not a promise.

What is the benefit of investing through SIP?

SIP encourages disciplined regular investing, averages your purchase cost over time, and harnesses compounding, which can build significant wealth over the long term.