Year | SIP Invested | Lump Sum | Interest | End Balance |
---|
Estimates assume constant returns and monthly compounding; actual mutual fund returns vary.
Use our free SIP Calculator to estimate how much wealth you can build through Systematic Investment Plans (SIP) in mutual funds. Whether you invest monthly, increase your SIP with a step-up plan, or compare SIP vs lump sum investments, this calculator gives you a clear picture of your future corpus, returns, and growth potential.
An SIP (Systematic Investment Plan) calculator helps investors estimate the returns from regular monthly investments in mutual funds. Instead of investing a large lump sum, you contribute a fixed amount every month. The calculator applies compound interest on each contribution to project the future value of your investment.
It answers key questions such as:
With SIPs, you:
Because of rupee-cost averaging (or dollar-cost averaging globally), SIPs reduce market timing risks and help build wealth consistently over time.
Our calculator lets you test all three methods.
A step-up SIP means you increase your monthly contribution by a fixed percentage each year (e.g., 10%). This boosts long-term returns because you invest more as your income grows.
Example:
That’s the power of step-up SIP investing.
Use the calculator to project returns for different timelines:
Our mutual fund SIP calculator works for all types of equity, debt, hybrid, and index funds. Simply enter:
The calculator instantly shows:
Apart from investing, you can plan withdrawals with an SWP (Systematic Withdrawal Plan).
SIP builds wealth.
SWP helps you withdraw regularly in retirement while the rest of the money continues to grow.
Together, SIP + SWP makes a complete financial planning tool.
Q1: What is an SIP return calculator?
It’s a tool that shows how much your SIP investments will grow based on contribution, tenure, and expected return rate.
Q2: How accurate are SIP calculators?
They provide an estimate using the compound interest formula. Actual returns may differ depending on market performance of mutual funds.
Q3: What’s better: SIP or Lump Sum?
If you have a large one-time amount and market conditions are favourable, Lump Sum may work. For most investors, SIP is safer and more disciplined.
Q4: Can I calculate SIP for 40 years?
Yes. Our calculator supports long-term projections (up to 50 years).
Q5: What is a Step-Up SIP?
A plan where your SIP increases each year, usually 5–15%, aligning with income growth to build more wealth.
Q6: Does the calculator account for inflation?
No, results are shown in nominal terms. For real returns, subtract expected inflation (e.g., 12% return – 6% inflation = 6% real growth).
Q7: Can I use this for SBI, HDFC, ICICI or Groww SIPs?
Yes. Our calculator works universally for all AMC mutual funds (SBI, HDFC, ICICI, Axis, Groww, Zerodha, Upstox, etc.).
Was this calculator helpful?
Rate your experience to help us improve.
Thanks for rating! See the average and total ratings above.
Not rated yet—be the first to rate this calculator.