SIP Calculator
This SIP calculator estimates what a systematic investment plan grows to. Enter a regular installment, how often you invest, the expected return, and the period, and the SIP calculator shows the total invested, the estimated returns, and the final value. Switch to lump sum to value a one-time investment, or combine both in one plan.
Returns are estimates. Market investments do not earn a fixed rate.
Results
The SIP Calculator is part of our Investment collection. Browse more investment to size, convert, and check your work alongside this tool.
What the SIP calculator does
A systematic investment plan puts a fixed amount into a mutual fund or index fund at regular intervals. Each installment compounds for the time it stays invested, so early installments grow the most. The SIP calculator adds up every installment with its growth, using the standard formula for payments made at the start of each period. For a lump sum, it compounds one amount over the full period.
SIP calculator formula
For regular installments:
P is the installment, i is the annual return divided by the number of installments a year, and n is the total number of installments. The final (1 + i) reflects that each installment is invested at the start of its period. A daily SIP uses 250 market days a year. For a lump sum the calculator compounds once a year:
SIP calculator example
A monthly SIP of 5,000 for 10 years at an expected 12% a year:
You invest 600,000 and the estimated returns are 561,695. A lump sum of 100,000 for the same 10 years at 12% grows to 310,585, and the calculator adds both when you choose SIP plus lump sum.
How to use the SIP calculator
Choose SIP, lump sum, or both. Enter the installment and pick the frequency: daily, weekly, monthly, quarterly, or yearly. For a lump sum, enter the one-time amount. Add the return you expect each year and the number of years, then press Calculate. Try a few return rates, such as 8%, 10%, and 12%, to see a range rather than one number.
How to calculate SIP returns and read them
The total value is an estimate at a steady rate. Real funds rise and fall, so the actual result can land well above or below it. The wealth gain shows how much of the final value came from growth rather than your own money; past about 15 years, growth often exceeds what you paid in. Use a conservative rate for planning: many investors test 8 to 10% for equity funds and lower for debt funds.
When to use a mutual fund SIP calculator
- Setting a monthly SIP for a goal such as education or a home
- Comparing a daily SIP with a monthly one
- Valuing a lump sum next to a running SIP
- Seeing how a longer period changes the final value
- Testing different return assumptions
Common SIP calculator mistakes
- Using an optimistic return. Test lower rates too.
- Ignoring costs and taxes. Expense ratios and tax reduce the final value.
- Stopping in a downturn. SIPs gain most from buying through dips.
- Confusing invested and returns. Returns are the growth only.
Tips for using the SIP calculator
- Raise the SIP each year as your income grows.
- Match the fund type to the time until your goal.
- Review the plan once a year, not every week.
SIP vs lumpsum investing
A lump sum puts all your money to work on day one, so in a market that rises over the period it usually ends higher. A SIP buys a little at a time, so you buy more units when prices are low and fewer when they are high, which lowers the average cost in a falling or choppy market. Many investors combine both: a lump sum from savings plus a monthly SIP from income. Choose SIP plus lump sum in the calculator to see the combined value. To check what rate a fund has delivered so far, use the CAGR calculator.
SIP return calculator: from building to income
A SIP is the building phase. When the goal arrives, many investors switch to a systematic withdrawal plan that pays out a fixed amount each month while the rest stays invested. The SWP calculator shows how long the corpus lasts at a given withdrawal. For money you want at a fixed rate instead, such as a deposit, the compound interest calculator gives the exact maturity value.
Monthly SIP calculator table: 5,000 a month at 12%
| Period | Invested | Estimated value | Estimated returns |
|---|---|---|---|
| 5 years | 300,000 | 412,432 | 112,432 |
| 10 years | 600,000 | 1,161,695 | 561,695 |
| 15 years | 900,000 | 2,522,880 | 1,622,880 |
| 20 years | 1,200,000 | 4,995,740 | 3,795,740 |
| 25 years | 1,500,000 | 9,488,175 | 7,988,175 |
SIP Calculator FAQ
How is SIP return calculated?
With FV = P × [(1 + i)^n − 1] ÷ i × (1 + i), where i is the annual return divided by installments a year. 5,000 a month for 10 years at 12% gives 1,161,695.
Is a daily SIP better than a monthly SIP?
At the same yearly amount and rate the results are close. 250 a day for 10 years at 12% gives about 1,208,476, against 1,161,695 for 5,000 a month. Daily SIPs mainly smooth the purchase price.
SIP or lump sum: which earns more?
If markets rise steadily, a lump sum invested early earns more because all of it compounds for longer. A SIP spreads the timing risk.
What return should I use?
Use a conservative figure, such as 8 to 10% for equity funds, and test a range. Returns are not guaranteed.