Enter your monthly investment amount, expected annual return rate, and investment duration to calculate your SIP returns. The SIP Calculator shows your total invested amount, estimated returns, and total maturity value — giving you a clear picture of how your systematic investments grow over time through the power of compounding.
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A SIP (Systematic Investment Plan) Calculator is an online tool that estimates the future value of your regular mutual fund investments. By entering your monthly investment amount, expected annual return rate, and investment duration, it shows you the total corpus you can build over time using the power of compounding.
The standard SIP future value formula is: FV = P × ([(1 + r)^n – 1] / r) × (1 + r), where P is the monthly investment, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of months. This accounts for compounding on each instalment over the investment period.
It helps you set realistic financial goals by showing how much wealth you can accumulate with a given monthly commitment. You can experiment with different amounts, return rates, and durations to find a plan that matches your goals — whether saving for retirement, a home, or your child's education.
The return rate depends on the type of mutual fund you choose. Large-cap equity funds have historically delivered around 10–12% annually, while mid/small-cap funds may offer higher but more volatile returns. Debt funds typically return 6–8%. You can use your fund's historical average or a conservative estimate.
SIP reduces the impact of market volatility through rupee cost averaging — you buy more units when prices are low and fewer when prices are high. However, it does not eliminate market risk entirely. The actual returns depend on market performance and may differ from the estimated figures in the calculator.
In a SIP you invest a fixed amount periodically (usually monthly), which spreads your investment over time and reduces timing risk. A lumpsum investment is a one-time payment of a larger amount. SIPs are generally preferred for salaried investors, while lumpsum investments can be advantageous when markets are at a low.
Yes. For equity mutual funds, gains from units held for more than 12 months are treated as Long-Term Capital Gains (LTCG) and taxed at 10% above ₹1 lakh per year. Gains from units redeemed within 12 months are Short-Term Capital Gains (STCG) taxed at 15%. Debt fund taxation follows income tax slab rates.
Yes, most mutual fund SIPs can be paused, modified, or stopped at any time without penalty. You can increase or decrease your monthly instalment, change the investment date, or redeem your accumulated units subject to the fund's exit load and lock-in period (if any).