About this tool
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month instead of a lump sum. This SIP calculator estimates the future value of your monthly investments based on your expected rate of return and investment period, including support for step-up SIPs where you increase your contribution each year.
Use it to plan how much you need to invest monthly to hit a savings goal, or to see how your existing SIP could grow over 5, 10, or 20 years.
How to use it
- Enter your monthly SIP investment amount.
- Enter the expected annual rate of return (based on the fund category you're considering).
- Set the investment period in years.
- Optionally, turn on step-up SIP and enter the yearly increase percentage.
- View your estimated maturity value, total invested amount, and wealth gained.
Frequently asked questions
How accurate is the SIP calculator's return estimate?
The calculator projects a maturity value based on the expected annual return you enter. Actual mutual fund returns fluctuate with the market, so treat the result as an estimate for planning, not a guarantee.
What is a step-up SIP?
A step-up (or top-up) SIP automatically increases your monthly investment by a fixed percentage every year, helping your investment keep pace with rising income and inflation.
What's a realistic rate of return to assume for equity mutual funds?
Many long-term equity mutual funds in India have historically returned in the 10-14% annual range, though this varies by fund and market cycle. Use a conservative estimate for financial planning.
Is SIP better than a lump sum investment?
SIP spreads your investment over time and averages out market volatility (rupee cost averaging), which can suit regular income earners better than a one-time lump sum, especially in volatile markets.