📈 SIP Calculator
Calculate monthly SIP returns, plan investment goals and compare SIP plans. Free systematic investment plan calculator — private, no signup.
| Metric | Plan A | Plan B | Difference |
|---|---|---|---|
| Adjust the inputs above to compare plans. | |||
What is a SIP Calculator and How Does It Work?
A SIP calculator is the most reliable way to estimate how your monthly mutual fund investments grow over time in India. Whether you are a first-time investor or a seasoned one, it removes the guesswork from financial planning — simply enter your monthly investment amount, expected annual return rate, and investment period to get an instant projection of your total corpus. The results update in real time: you can see exactly how much of the final amount comes from your own contributions versus the returns generated through compounding.
This tool includes three integrated calculators — a standard SIP projector, a Goal Planner that works in reverse to calculate the monthly investment required to reach a target amount, and a SIP Comparison tab to evaluate two different investment plans side by side. All three tools are fully free and run entirely in your browser.
How to Use This SIP Calculator
Select a return scenario using the quick preset buttons — Conservative 8%, Moderate 12%, Aggressive 15%, or Equity 18% — or type your own expected return rate. Adjust your monthly investment and investment period using the sliders or type directly into the fields. The SIP calculator instantly updates the invested amount, estimated returns, total value, year-wise growth chart, and the principal-versus-returns donut chart. For goal-based planning, switch to the Goal Planner tab and enter your target corpus; the SIP calculator reverses the formula to show you the exact monthly investment required.
SIP Calculator Formula Explained
Every SIP calculator uses the Future Value of a recurring deposit formula:
Where P is your monthly investment, i is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the total months (years × 12). For example, a ₹5,000 monthly SIP at 12% per annum for 10 years gives a total corpus of approximately ₹11.6 lakh against a total investment of ₹6 lakh — meaning this SIP calculator projects ₹5.6 lakh in estimated returns from compounding alone.
SIP Returns for Different Investment Amounts
The figures below use a 12% annual return assumption. Use this SIP calculator to try your own combination:
- ₹3,000/month for 10 years → ₹6.99 lakh corpus (₹3.6L invested, ₹3.39L returns)
- ₹5,000/month for 10 years → ₹11.6 lakh corpus (₹6L invested, ₹5.6L returns)
- ₹10,000/month for 15 years → ₹50.5 lakh corpus (₹18L invested, ₹32.5L returns)
- ₹5,000/month for 20 years → ₹49.9 lakh corpus (₹12L invested, ₹37.9L returns)
- ₹15,000/month for 25 years → ₹3.16 crore corpus (₹45L invested, ₹2.71Cr returns)
Power of Compounding in SIP
The most compelling benefit of systematic investment plan investing is the exponential growth that compound returns produce over time. In the early years, the growth curve is relatively flat because your corpus is small and returns are modest. Past the halfway point, the curve steepens sharply — your accumulated corpus starts generating returns on itself, not just on your fresh monthly investments. A ₹5,000 monthly investment at 12% for 10 years shows ₹11.6 lakh. The same amount continued for 20 years reaches ₹49.9 lakh — more than four times the 10-year value for only twice the investment period. Starting a systematic investment plan at age 25 versus age 35 can mean a difference of over ₹1 crore in your retirement corpus, which is why time in the market is the single most important variable in any such projection.
Frequently Asked Questions
What is a SIP calculator?
A SIP calculator is a free online tool that estimates the future value of a Systematic Investment Plan based on your monthly contribution, expected annual return rate, and investment tenure. It uses the standard Future Value of recurring deposit formula to show your invested amount, estimated returns, and total corpus — all updated instantly as you change any input.
How accurate is this SIP calculator?
This SIP calculator gives projections based on a fixed annual return rate that you specify. Actual mutual fund returns vary year to year and are not guaranteed. Use the tool for planning scenarios — try both conservative (8%) and aggressive (15%) rates to understand the range of possible outcomes before committing to an investment amount.
What is a good return rate to use in SIP calculator?
For conservative planning use 8% (liquid or debt funds). For moderate growth use 12% (balanced or large-cap equity funds). For aggressive projections use 15–18% (equity or small-cap funds). The Equity 18% preset reflects historical small-cap performance but is not guaranteed. Most financial planners recommend using 10–12% as a realistic long-term base case for equity SIPs in India.
Can I use this SIP calculator for lump sum investments?
No, this SIP calculator is specifically designed for regular monthly SIP investments. For lump sum calculations, use the Compound Interest Calculator which applies a different formula (A = P × (1 + r/n)^(nt)) appropriate for one-time investments.
What is the minimum SIP amount I can start with?
Most mutual fund houses in India allow SIPs starting from ₹100–₹500 per month. This SIP calculator accepts monthly investments from ₹500. In practice, starting with ₹500–₹1,000 per month is a practical entry point for new investors, and the amount can be increased gradually as income grows.
Is this SIP calculator free to use?
Yes, this SIP calculator is completely free with no signup required. All three tools — SIP Calculator, Goal Planner, and SIP Comparison — run entirely in your browser. No data is sent to any server, and there are no usage limits.