SIP Investment Calculator – Calculate Mutual Fund Returns
Investment vs Returns
Year-wise growth (₹)
Investment History
| Date | Monthly (₹) | Rate % | Years | Total Invested (₹) | Est. Returns (₹) | Future Value (₹) |
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📈 What is SIP investment?
Systematic Investment Plan (SIP) is a disciplined approach to invest in mutual funds. You invest a fixed amount every month, which buys units at the prevailing NAV. Over time, you benefit from rupee cost averaging and compounding. Our SIP calculator uses the standard formula: FV = P × [((1 + r)^n − 1) / r] × (1 + r) where r = monthly rate, n = months. Step-up SIP (annual increase) boosts wealth creation.
Benefits of SIP in mutual funds: Flexibility, power of compounding, low initial commitment, and professional management. Even small monthly amounts can grow to a large corpus over 15–20 years.
Example calculation: ₹5,000/month at 12% annual for 10 years → total invested ₹6,00,000, future value ~₹11,61,695 (if no step-up). Step-up 5% yearly increases final corpus significantly.
Tips for long-term investing: Start early, stay invested, choose equity funds for growth, and increase SIP annually (step-up) to match income growth.
❓ FAQ – SIP Calculator
