SIP CalculatorSystematic Investment Plan
Estimate how much your monthly investment can grow over time. Enter an amount, a tenure, and an expected return rate to see your total investment, wealth gained, and maturity value.
Investment Summary
Total Invested
₹6,00,000
Estimated Returns
₹5,61,695
Maturity Value
₹11,61,695
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount regularly in mutual funds. It builds wealth over time through the combined effect of compounding and consistent, disciplined investing.
How the SIP calculator works
The maturity value of a SIP is calculated using the future value of a series formula:
Formula
M = P × [ ( (1 + r)n − 1 ) / r ] × (1 + r)
- M
- Maturity value
- P
- Monthly investment
- r
- Monthly interest rate
- n
- Number of months
Benefits of investing via SIP
Disciplined investing
A fixed amount leaves your account on a set date, so investing becomes a habit rather than a decision you make each month.
Power of compounding
Returns earned in early years start generating their own returns, so the growth curve gets steeper the longer you stay invested.
Rupee cost averaging
Investing the same amount regardless of market levels means you buy more units when prices fall and fewer when they rise.
Flexible and affordable
Most funds accept SIPs starting from ₹500 a month, and you can pause, increase, or stop contributions when your situation changes.
Frequently asked questions
QIs SIP better than lump sum?
ASIP generally suits salaried individuals better, since it spreads investments over time, reduces the risk of timing the market badly, and builds a regular saving habit.
QWhat is the minimum SIP amount?
AMost mutual funds allow SIP investments starting from ₹500 per month, making it accessible even for new investors.