Mutual Fund SIP Calculator
Calculate the future value of your Systematic Investment Plan
See how regular investments in mutual funds through SIP can help you build wealth over time with the power of compounding.
Calculate SIP
💡 Tip: SIP helps you invest regularly and benefit from rupee cost averaging, reducing the impact of market volatility.
Understanding SIP Investing
What is SIP?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, or yearly) rather than a lump sum.
- Disciplined investing approach
- Rupee cost averaging benefits
- Power of compounding
Benefits of SIP
- Start with small amounts
- Reduces market timing risk
- Automated and convenient
- Flexible investment frequency
Investment Frequency Options
Monthly SIP
Most popular option. Invest every month on a fixed date.
Quarterly SIP
Invest once every quarter (3 months).
Yearly SIP
Annual investment option for larger amounts.
How It Works
This calculator uses the future value of annuity formula to calculate SIP returns:
FV = P × [((1 + r)^n - 1) / r] × (1 + r) - • FV = Future Value
- • P = Investment amount per period
- • r = Rate of return per period
- • n = Total number of periods
Why Our SIP Calculator Stands Out
Visual Charts
Interactive charts and graphs to visualize your SIP investment growth over time, making complex data easy to understand.
Instant Calculations
Real-time calculations as you adjust parameters. See immediate impact of changing your investment amount or time period.
Multiple Frequencies
Support for monthly, quarterly, and yearly SIP frequencies. Choose the investment schedule that fits your financial planning.
How to Use the SIP Calculator
Enter Investment Amount
Input the amount you plan to invest regularly through SIP. Start with an amount that fits comfortably in your budget.
Choose Investment Period
Select how long you plan to continue your SIP. Longer investment periods allow more time for compounding to work its magic.
Set Expected Return Rate
Enter the expected annual return rate. Equity mutual funds typically return 10-12% annually, while debt funds offer 6-8%.
View Your Results
See the projected future value of your investment, total amount invested, and wealth gained through interactive charts and summaries.
Frequently Asked Questions
What is a SIP in mutual funds?
A Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, or yearly) instead of investing a lump sum. This approach helps average out market volatility through rupee cost averaging.
How much should I invest in SIP monthly?
The amount depends on your financial goals and budget. You can start with as little as ₹500 per month. Financial experts recommend investing 10-20% of your monthly income through SIPs for long-term wealth creation.
What is the minimum SIP tenure?
While there's no minimum tenure mandated, most mutual funds recommend staying invested for at least 5 years to benefit from market cycles and the power of compounding. However, you can pause or stop SIP anytime without penalties.
Can I withdraw money from SIP anytime?
Yes, mutual fund SIPs are liquid (except for ELSS funds which have a 3-year lock-in). You can redeem your units anytime. However, staying invested longer allows your investments to grow through compounding.
What returns can I expect from SIP?
Returns vary based on market conditions and the type of mutual fund. Historically, equity mutual funds have delivered 10-15% annual returns over the long term (10+ years), while debt funds typically offer 6-8% annually.
Is SIP better than lump sum investment?
Both have merits. SIP is better for regular investors with steady income, offers rupee cost averaging, and reduces timing risk. Lumpsum works well when markets are down or you have a large amount to invest. Many investors use both strategies.