SIP Calculator
Calculate your monthly investment returns with compound interest
Calculate Your SIP Returns
Enter your monthly investment details
Investment Details
Your Results
Future Value
1,161,695.38
after 10 years of monthly investing
600,000.00
52%
+561,695.38
48%
Total Return
+93.6%
How to Use This Calculator
Enter monthly amount
Input how much you plan to invest every month
Set expected return
Choose an expected annual return rate (10-15% for equity funds)
Choose duration
Select how many years you plan to invest
View your returns
See your future value, total invested, and gains instantly
Enter monthly amount
Input how much you plan to invest every month
Set expected return
Choose an expected annual return rate (10-15% for equity funds)
Choose duration
Select how many years you plan to invest
View your returns
See your future value, total invested, and gains instantly
What is SIP?
SIP (Systematic Investment Plan) is a disciplined way to invest a fixed amount regularly in mutual funds. Instead of investing a large sum at once, you invest smaller amounts every month.
How SIP Works
Every month, a fixed amount is automatically debited from your bank account and invested in your chosen mutual fund. This happens regardless of market conditions.
Rupee Cost Averaging
When markets are down, your fixed amount buys more units. When markets are up, it buys fewer. Over time, this averages out your purchase cost and reduces timing risk.
Power of Compounding
Each month's investment starts earning returns. Those returns then earn their own returns. This snowball effect can turn small monthly investments into substantial wealth.
Real Investment Scenarios
See how SIP works in different situations
Fresh Graduate
Start with what you can afford
Future Value
₹1,05,68,882
"Starting early is more powerful than starting big"
Working Professional
Building wealth systematically
Future Value
₹98,93,574
"Consistent investing beats market timing"
Child Education Fund
Planning 18 years ahead
Future Value
₹27,66,366
"Even moderate returns compound significantly"
Retirement Planning
Building your retirement corpus
Future Value
₹2,69,89,715
"Start now, retire comfortably"
Expected Returns by Fund Type
Historical averages - not guaranteed
| Fund Type | Expected Return | Risk Level | Min Horizon |
|---|---|---|---|
| Large Cap Equity | 10-12% | Moderate | 5+ years |
| Mid Cap Equity | 12-15% | High | 7+ years |
| Small Cap Equity | 15-18% | Very High | 10+ years |
| Debt Funds | 6-8% | Low | 3+ years |
| Hybrid Funds | 8-10% | Moderate | 5+ years |
Past performance doesn't guarantee future returns. Consult a financial advisor.
Frequently Asked Questions
Not Sure Which Strategy to Choose?
Compare SIP with lumpsum investment to find the best approach for your goals