SIP Calculator

Calculate returns on your Systematic Investment Plan — monthly, quarterly, or yearly. Compare regular SIP, lumpsum, and step-up SIP modes.

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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 consistent monthly contributions and returns.
A Step-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 total wealth creation snapshots 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 (10–12%) for long-term projections to avoid overestimating.
No. This calculator assumes a constant return rate and does not deduct taxes 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 (rupee cost averaging). For most retail investors without the ability to time the market, SIP offers better risk-adjusted returns and enforces financial discipline.
CAGR measures the growth of a single lump-sum investment and is not suitable for SIPs with multiple cash flows. XIRR accounts for the timing of each instalment, making it the correct measure for SIP returns. When comparing SIP performance across funds, always use XIRR.

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 financial goal
  • Estimating returns for recurring deposits
  • Modelling a Step-Up SIP as your income grows over the years

Standards & References

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