SIP Calculator

Calculate the wealth gained and maturity value of your Systematic Investment Plan (SIP) investments in Mutual Funds online instantly.

SIP Inputs

Monthly Investment (₹)
Expected Return Rate (% p.a.)
Time Period (Years)

Maturity Details

Total Maturity Value
₹0
Invested Amount ₹0
Est. Returns (Wealth Gained) ₹0

SIP Calculator - Estimate Mutual Fund Returns

Starting a Systematic Investment Plan (SIP) in mutual funds? Our online SIP Calculator helps you estimate the future value of your monthly investments over your planned tenure, showing how compounding increases your wealth.

Calculate total invested amount, estimated returns, and total maturity value with clean charts instantly.

Key Reference & Specifications Table

Expected Return Rate10 Years Maturity (₹1000/mo)15 Years Maturity (₹1000/mo)20 Years Maturity (₹1000/mo)
12% p.a. (Moderate)₹2,32,339₹5,04,576₹9,99,148
15% p.a. (High Equity)₹2,78,657₹6,76,827₹15,15,955
10% p.a. (Conservative)₹2,06,552₹4,17,924₹7,65,697

How to Use the Online SIP Calculator

  1. Input your monthly SIP investment amount (e.g. ₹2,000).
  2. Enter the expected annual return rate (%) (e.g. 12% for equity funds).
  3. Specify the investment period in years (e.g. 15 years).
  4. Review the total invested amount, wealth gain, and projected maturity value.

Frequently Asked Questions (FAQs)

What is a Systematic Investment Plan (SIP)?

SIP is a method of investing a fixed amount regularly (monthly/quarterly) in mutual funds, helping you build wealth systematically over time.

What is the formula used to calculate SIP returns?

SIP returns are calculated using the formula: `M = P * [ ( (1 + i)^n - 1 ) / i ] * (1 + i)`, where M is maturity amount, P is monthly investment, i is monthly interest rate (`Annual Rate / 12 / 100`), and n is total months.

Are mutual fund SIP returns guaranteed?

No. Mutual fund investments are subject to market risks, and returns are not guaranteed. However, historically, equity mutual funds in India yield 12% to 15% average returns over the long term (10+ years).

Can I pause or stop my SIP at any time?

Yes. You can pause, stop, or increase/decrease your SIP amount at any time without paying penalties, offering high flexibility compared to RDs or FDs.

What is rupee cost averaging in SIP?

Rupee cost averaging means that when markets are down, you buy more mutual fund units for the same amount, and when markets are high, you buy fewer units. This averages out the purchase cost over time.

What is a Step-Up SIP?

A Step-Up SIP allows you to automatically increase your monthly investment by a fixed percentage or amount every year, aligning with your annual salary hikes and accelerating wealth building.

Is the maturity amount from equity mutual funds taxable?

Yes. Long-Term Capital Gains (LTCG) on equity mutual funds (held for more than 1 year) are taxed at 10% on gains exceeding ₹1 Lakh per financial year (increased to 12.5% in recent budget updates).

Does this calculator support compounding calculations?

Yes. The SIP formula applies monthly compounding to estimate maturity returns accurately.

Is it better to invest via SIP or Lump Sum?

SIP is better for salaried individuals as it averages market volatility and instills disciplined savings. Lump sum is preferred if you have surplus funds and the markets are undervalued.

Is this SIP Calculator free to use?

Yes, it is 100% free with no registration required.