SIP Calculator: Plan Your Mutual Fund Investment
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds every month, harnessing the power of compounding and rupee-cost averaging. Use this SIP calculator to estimate your maturity value, total investment and wealth gained — then talk to us for a personalized plan tailored to your goal.
Investment Calculator
Plan SIPs, lumpsum investments, or withdrawals from an existing corpus.
Add Annual Top-up (Step-up SIP)
Increase your monthly SIP every year, e.g. in line with a salary hike
This calculator provides an approximate estimate for illustration purposes only, based on the assumptions you enter. Actual returns from mutual funds, PPF, pensions, and insurance products vary and are subject to market and product-specific risk. This is not investment, tax, or insurance advice — please talk to our team before making a decision.
Frequently Asked Questions
How is SIP return calculated?
SIP returns are calculated using the compound interest formula applied to each monthly instalment, assuming an expected annual rate of return. This calculator automates that math instantly.
What is a good SIP amount to start with?
There is no fixed minimum — many mutual funds allow SIPs starting from ₹500/month. The right amount depends on your income, goals and time horizon.
Is SIP better than a lump sum investment?
SIPs reduce timing risk through rupee-cost averaging and build a savings habit, making them well suited for salaried investors, while lump sum can suit those with idle capital during market dips.
Not sure how sip calculator results apply to your goal? Get a plan built around your numbers.
Create My Personalized Plan