SIP Calculator
Calculate how your monthly SIP investment grows over time with compound returns. Works for mutual funds, ETFs, index funds, and any regular investment.
Enter Your SIP Details
Future value after 10 years
₹11.62 L
Total invested
₹6.00 L
₹5,000 × 120 months
Returns earned
₹5.62 L
94% gain on capital
Growth Milestones
Returns assume a fixed annual rate of 12% compounded monthly. Actual mutual fund returns vary. Past performance is not indicative of future results. This is for educational purposes only — not financial advice.
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What is SIP and How Does It Work?
A Systematic Investment Plan (SIP) is a method of investing a fixed sum of money regularly (usually monthly) into a mutual fund. It harnesses the power of rupee/dollar cost averaging — you buy more units when prices are low and fewer when prices are high, reducing the impact of market volatility.
SIP Formula
The future value of a SIP is calculated using the compound interest formula for annuities:
Where: P = monthly investment, r = monthly interest rate (annual rate ÷ 12), n = total number of months.
Benefits of SIP Investing
- Compounding effect: Returns earn returns over time, exponentially growing your wealth.
- Discipline: Automated monthly investment removes emotional decision-making.
- Rupee cost averaging: Market dips become buying opportunities, not reasons to panic.
- Flexible amounts: Start with as little as ₹500/month and increase as income grows.
- Tax benefits: ELSS (Equity Linked Savings Scheme) SIPs qualify for ₹1.5L deduction under Section 80C.
Typical SIP Returns by Category
- Liquid/Debt funds: 6–8% CAGR (low risk, short-term)
- Balanced/Hybrid funds: 9–11% CAGR (moderate risk)
- Large-cap equity funds: 10–13% CAGR (moderate-high risk)
- Mid/Small-cap funds: 12–18% CAGR (high risk, long-term)
- Index funds (Nifty 50): ~12% CAGR historical average