SIP Calculator

Calculate returns on your Systematic Investment Plan (SIP) — monthly, quarterly, or yearly

Currency

Monthly Investment

$100$100K

Expected Annual Return

1%50%

Investment Period

years

1 yr50 yrs

Results

Adjust the inputs and click Calculate.

Frequently Asked Questions

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly (monthly, quarterly, or yearly) into a mutual fund or investment scheme. SIP helps you invest disciplinedly, average out market volatility through rupee/dollar cost averaging, and benefit from the power of compounding over time.

SIP maturity is calculated using the future value of an annuity formula:
M = P × [((1 + r)ⁿ − 1) / r] × (1 + r)
Where P = monthly investment, r = monthly rate (annual rate ÷ 12), n = total months. This assumes end-of-period contributions and consistent returns.

A Step-Up SIP (also called Top-Up SIP) increases your monthly investment amount each year by a fixed percentage. For example, starting at $500/month and stepping up 10% annually means investing $550/month in year 2, $605/month in year 3, and so on. This mirrors income growth and significantly boosts your final corpus.

SIP spreads your investment over time, reducing the risk of investing a large amount at market peak (rupee cost averaging). Lumpsum can outperform SIP in a consistently rising market. In volatile markets, SIP typically delivers better risk-adjusted returns. Use both modes in this calculator to compare your specific scenario.

Absolute return is the total percentage gain on your invested capital: ((Maturity Value − Total Invested) ÷ Total Invested) × 100. Unlike CAGR, it does not account for the time period, so it is better suited for comparing quick snapshots of total wealth creation rather than annualised performance.

Typical benchmarks: equity mutual funds average 10–15% annually over the long term; balanced/hybrid funds 8–12%; debt funds 6–8%; savings accounts 3–5%. Past performance does not guarantee future returns. Use a conservative rate (e.g., 10–12%) for long-term projections to avoid overestimating.

No. This calculator assumes a constant return rate and does not deduct taxes (e.g., capital gains tax) or adjust for inflation. For post-tax or inflation-adjusted projections, subtract the applicable tax rate from your expected return, or use a real return rate (nominal rate minus inflation) as input.

Yes. A Recurring Deposit works similarly to a monthly SIP. Enter your monthly RD instalment as the monthly investment and the bank's annual interest rate. Select "SIP (Regular)" mode. Note that RDs typically compound quarterly, so results may differ slightly from the bank's exact calculation.

In a consistently rising market, a lump sum invested early generally outperforms SIP because the entire capital benefits from compounding sooner. In a volatile or declining market, SIP outperforms by averaging your purchase cost across market highs and lows (rupee cost averaging). For most retail investors without the ability to time the market, SIP offers better risk-adjusted returns and enforces financial discipline over the long term.

CAGR (Compound Annual Growth Rate) measures the growth of a single lump-sum investment over a period and is not suitable for SIPs with multiple cash flows. XIRR (Extended Internal Rate of Return) accounts for the timing of each instalment, making it the correct measure for SIP returns. When comparing SIP performance across funds, always use XIRR — a fund showing 15% CAGR on a lump sum may show a different XIRR for a monthly SIP in the same fund.

About This SIP Calculator

This free SIP calculator helps you estimate the maturity value of your Systematic Investment Plan. Choose from three modes: regular SIP (fixed monthly investment), Lumpsum (one-time investment), or Step-Up SIP (increasing monthly investment each year). Instantly see your maturity amount, total invested, wealth gained, and a year-by-year breakdown.

SIP is one of the most popular ways to invest in mutual funds. By investing a fixed amount every month, you benefit from rupee cost averaging and the power of compounding — small, consistent investments can grow into significant wealth over 10–30 years.

When to use this calculator

Planning monthly mutual fund investments
Comparing SIP vs lumpsum for the same goal
Estimating returns for recurring deposits
Modelling a Step-Up SIP as income grows over the years

Standards & References

Related Calculators

Compound Interest

FD Calculator

RD Calculator

Retirement Calculator

View all articles

Step-Up SIP: Why a 10% Annual Increase in Contributions Does Far More Than "10% More Savings"

Increasing your SIP by 10% annually — roughly matching a typical raise — can shrink the time to reach a savings goal by years, not months, because the step-up compounds on top of investment returns that are already compounding. Here's the "two compounding effects" framing, how to choose a step-up rate aligned with realistic income growth, and why automating the step-up removes a recurring decision point that's easy to defer.

Jun 13, 2026

Tax-Efficient Investing: How ISA, Roth IRA, and ELSS Wrappers Multiply Your SIP Returns

The same SIP grows to the same gross value in or outside a tax wrapper — but after UK ISA, US Roth IRA, or Indian ELSS tax efficiency, you keep far more. Here's the mathematics of tax drag over 30 years, how each country's key tax wrappers work, and why maximising wrappers before taxable investing is foundational.

Jun 11, 2026

SIP vs Lump Sum Investing: What the Evidence Shows and Why Staying Invested Beats Everything Else

Lump sum beats SIP 67% of the time theoretically — and SIPs almost always win in practice, because most people don't have a lump sum, and those who do often never invest it. Here's what the research shows, the cost of missing the market's best days, and what a 15-year SIP actually produces.

Jun 10, 2026

SIP Calculator — Build Long-Term Wealth with Consistent Monthly Investments

Learn why small SIPs maintained for decades outperform larger short-term investments, how rupee cost averaging works in falling markets, step-up SIP strategies, and how to model any investment goal with a free SIP calculator.

Jun 7, 2026

SIP Calculator — See How Your Monthly Investment Grows Over Time

Learn how SIP returns are calculated, what your monthly investment actually grows to over time, and how to use a free SIP calculator to plan long-term wealth creation with real examples.

Jun 6, 2026