SIP Returns Calculator
Calculate how your monthly SIP investments grow over time with the power of compounding.
Customize Your SIP
Adjust monthly amount, expected return and tenure to see your wealth grow.
Amount you invest every month
Annual interest rate (p.a.)
Total duration in years
Estimated Maturity Value
Total Invested
₹6,00,000
Total Gain
₹5,61,695
Invested Amount
₹6,00,000
Estimated Returns
₹5,61,695
Yearly Projections
| Year | Invested | Returns | Total |
|---|
What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator helps you estimate the future value of your regular monthly investments in mutual funds. SIP is the most disciplined and popular way for retail investors in India to participate in equity and debt markets without worrying about market timing.
How the SIP Formula Works
SIP returns are calculated using the future value of an annuity formula:
P = Monthly SIP amount | r = Monthly rate of return | n = Total months
Why SIP is Better Than Lump Sum
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Rupee Cost Averaging: You buy more units when markets are low and fewer when high, averaging out cost.
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Compounding Power: The earlier and longer you invest, the more dramatically compounding works in your favour.
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Discipline: Regular auto-debit ensures you invest consistently, removing emotional decision-making.