SIP Calculator(Systematic Investment Plan)
Calculate returns on your Systematic Investment Plan with step-up, lump sum & multi-currency support
SIP Calculator - Plan Your Systematic Investments & Achieve Financial Goals
Enter your SIP investment information to calculate potential returns:
| Year | Annual Investment | Annual Returns | Cumulative Value |
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A SIP (Systematic Investment Plan) calculator is an online tool that helps investors estimate the potential returns on their mutual fund investments made through SIP. It uses compound interest formula to project the future value of regular investments over time.
SIP allows you to invest a fixed amount regularly (usually monthly) in mutual funds. This approach benefits from rupee cost averaging and the power of compounding, helping you build wealth over the long term without timing the market.
The calculator provides an estimate of:
Remember that these are projected values based on your inputs. Actual returns may vary based on market performance.
How is SIP return calculated? SIP returns are calculated using the formula for compound interest, accounting for regular monthly investments. The formula is: FV = P × [ (1 + i)^n - 1 ] × (1 + i)/i, where P is monthly investment, i is monthly return rate, and n is number of months.
What is a good SIP return? Historically, equity mutual funds in India have delivered returns between 12-15% over long periods (10+ years). However, returns can vary based on market conditions and the specific fund you choose.
Is SIP better than lump sum investment? SIP helps mitigate market timing risk through rupee cost averaging. While lump sum investing might yield higher returns in a rising market, SIP provides discipline and reduces risk during market volatility.
Can I change my SIP amount later? Yes, most mutual funds allow you to increase your SIP amount periodically. Some also offer step-up SIP facilities where your investment increases automatically each year.