SIP Calculator - Systematic Investment Plan Returns

How the SIP Calculator Works

1. 01Enter the fixed amount you invest every month; the default currency is rupees but you can switch to euro, dollar, or pound.
2. 02Enter the annual return you expect from the mutual fund, commonly 10-14% for equity funds over long horizons.
3. 03Choose the investment period in years with the slider.
4. 04Read the invested amount, estimated returns, and total value, then open the year-by-year table to see growth per year.

Getting the Most From SIP Investing

A Systematic Investment Plan automates buying fund units every month regardless of market level, which averages your purchase price and removes timing decisions. The calculator uses the standard future value of an annuity formula with monthly compounding, assuming each installment is invested at the start of the month, the same convention AMFI-style calculators use. When choosing the expected return, look at long-run category averages rather than last year's best fund: Indian equity funds have historically delivered roughly 10-14% over 10+ year horizons, hybrid funds less, debt funds 6-8%. Test a conservative rate too, because SIP projections compound assumptions as well as money. The biggest practical lever is the step-up: increasing your SIP by 10% each year roughly doubles the final corpus over 20 years compared with a flat SIP at typical rates. Also mind exit loads and taxes: equity fund gains held over a year are taxed as long-term capital gains above the exemption threshold, which the projection does not include. Finally, stay invested through downturns; the whole benefit of rupee-cost averaging comes from buying more units when prices are low.

When to Use the SIP Calculator

Use it before starting or increasing a SIP mandate, when comparing fund categories with different expected returns, or when working backwards from a goal: enter different monthly amounts until the total value matches what you need for a house deposit, education corpus, or retirement supplement. It is equally useful outside India for anyone doing monthly dollar-cost averaging into index funds, since the math is identical.

Common Use Cases

• ·Estimating the maturity value of a monthly mutual fund SIP before submitting the mandate.
• ·Working backwards from a goal corpus to the monthly amount needed at a given return.
• ·Comparing equity, hybrid, and debt fund scenarios by changing the expected return.
• ·Showing new investors why starting a small SIP now beats waiting for a bigger salary.
• ·Modeling a combined plan with an existing lump sum plus monthly investing. → Investment Calculator
• ·Checking loan affordability against investment potential for the same monthly amount. → EMI Calculator

Expert Tips

• ✻Step up your SIP by 5-10% every year; over 20 years this roughly doubles the corpus compared with a flat installment.
• ✻Judge funds on 10-year category averages, not last year's winner, when picking the expected return input.
• ✻Do not pause SIPs in market downturns; buying units cheaply is where rupee-cost averaging earns its keep.

Frequently Asked Questions