How this calculation works
This calculator uses: FV = P × [(1+r)ⁿ − 1] × (1+r) / r. Enter your values above to get an immediate result. Results are rounded for readability.
Using the sip calculator
Start by entering values in the units shown. The result updates immediately, and the shareable link preserves your inputs without creating a separate indexable page. Use this as a clear estimate and check important assumptions before relying on it.
Common questions
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals (usually monthly). It builds a disciplined saving habit and uses rupee-cost averaging to reduce risk.
Is SIP better than a lump sum investment?
SIP is generally better for salaried individuals as it spreads investment over time, averaging out market highs and lows. Lump sum can be better when markets are at a significant low. Both strategies have merit depending on your financial situation.
What is a realistic expected return for SIP in India?
Equity mutual fund SIPs in India have historically returned 10–14% per annum over long periods (10+ years), though past performance does not guarantee future results. Debt funds typically return 6–8%.
Can I increase my SIP amount over time?
Yes. This is called a Step-Up or Top-Up SIP. Increasing your SIP by 10–15% each year significantly boosts your final corpus, especially over long tenures.