What is a SIP calculator?

A SIP calculator is a free online tool that estimates the future value of your monthly mutual fund SIP investments based on the amount, expected return rate and tenure, using the power of compounding.

How is SIP return calculated?

SIP returns are calculated using the future value of a series formula: M × ({[1 + i]^n – 1} / i) × (1 + i), where M is the monthly amount, i is the monthly rate of return and n is the number of months.

Is a SIP better than a lumpsum investment?

SIP averages your purchase cost over time (rupee-cost averaging) and reduces timing risk, making it well-suited for salaried investors. Lumpsum can outperform in a rising market. The right choice depends on your cash flow and risk appetite.

SIP Calculator

Calculate how your Systematic Investment Plan grows with compounding.

Monthly SIP Amount

₹

₹500₹2L

Expected Annual Return 12%

1%30%

Time Period 10 Years

1 yr40 yrs

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Total Value

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Wealth Gained

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Total Invested

Year-by-Year Breakdown

Year	Invested	Portfolio Value	Gains

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Select your preferred mutual fund investment platform in India to buy direct plans with 0% commission:

Zerodha Coin Direct Mutual Funds

Groww Instant SIP / Lumpsum

AngelOne Direct Plans

Paytm Money Paperless SIP

ET Money 0% Commission

Official AMC Direct Direct Buy Portal ⚡

MFCentral Official SEBI RTA Portal

Your Full Name *

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Investment Mode

Target Investment Amount (₹)

Special Instructions / Questions (Optional)