SIP Calculator

A SIP (Systematic Investment Plan) calculator estimates the future value of your regular monthly investments in a mutual fund based on an expected annual return rate and investment duration.

SIP uses compound interest with monthly compounding. Formula: M = P × [(1 + r)^n – 1] ÷ r × (1 + r), where P is monthly investment, r is monthly return rate (annual ÷ 12 ÷ 100), and n is number of months.

Equity mutual funds in India have historically delivered 10–15% annual returns over long periods. Debt funds typically return 6–8%. Use 10–12% as a conservative estimate for equity SIPs.

SIP reduces timing risk through rupee cost averaging — you buy more units when prices are low and fewer when prices are high. For most retail investors, SIP is the recommended approach.

No. The calculator shows nominal returns. To estimate real (inflation-adjusted) returns, subtract the expected inflation rate (typically 5–6%) from your expected return rate.