SIP Calculator - Calculate Mutual Fund Returns
Calculate your SIP returns and wealth accumulation. Plan your mutual fund investments with our free SIP calculator and see how your money grows over time.
Calculate SIP
Amount you want to invest every month
Expected annual return from your mutual fund
How long you plan to continue your SIP
Total Value
₹23,23,391
Total Invested
₹12,00,000
Wealth Gained
₹11,23,391
Breakdown
Formula & Explanation
FV = P × ((1 + r)^n - 1) / r × (1 + r)Where P = Monthly SIP amount, r = Expected monthly rate of return (annual rate / 12 / 100), n = Total number of months. This formula calculates the future value of regular monthly investments with compound interest.
Calculation Examples
Long-term Wealth Creation
₹10,000/month SIP at 12% for 20 years
Total value of ₹99.9 Lakhs (invested ₹24 Lakhs)
Short-term Goal
₹25,000/month SIP at 10% for 5 years
Total value of ₹19.4 Lakhs (invested ₹15 Lakhs)
Retirement Planning
₹15,000/month SIP at 12% for 30 years
Total value of ₹5.3 Crores (invested ₹54 Lakhs)
Benefits
- Harness the power of compounding
- Start with as little as ₹500/month
- Rupee cost averaging reduces risk
- Disciplined investing habit
- Flexibility to increase or pause
Use Cases
- Retirement planning
- Child education fund
- Wealth creation
- Emergency fund building
- Goal-based investing
About SIP Calculator
Our SIP Calculator helps you estimate the future value of your Systematic Investment Plan. Calculate how much wealth you can create by investing a fixed amount monthly in mutual funds. Understand the power of compounding and plan your financial goals effectively.
Frequently Asked Questions
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It helps you build wealth over time through the power of compounding and rupee cost averaging.
Most mutual funds allow SIP investments starting from ₹500 per month. Some funds may have a minimum of ₹100 or ₹1,000 depending on the fund house.
SIP is generally better for most investors as it reduces market timing risk through rupee cost averaging. However, lump sum can be better if you have a large amount and the market is at a low point.
Yes, you can stop your SIP at any time without any penalty. However, if you've invested in ELSS funds, there's a 3-year lock-in period for each installment.
Historical data shows that equity mutual funds have delivered 12-15% annual returns over long periods (10+ years). However, past performance doesn't guarantee future returns.