Estimate your mutual fund returns with our SIP calculator. Calculate future value, total investment, and growth using monthly contributions.
Estimate your mutual fund returns with compound interest using regular monthly investments.
A SIP (Systematic Investment Plan) calculator shows how your monthly investments grow over time through compounding. It uses the following formula:
FV = P × [(1 + r)n – 1] × (1 + r) / r
Where:
The calculator computes your total invested amount, the interest earned via compounding, and the final maturity value—helping you plan SIPs more effectively.
Answers to common questions about SIP (Systematic Investment Plan) and how it works
A SIP or Systematic Investment Plan is a method of investing a fixed amount in mutual funds at regular intervals, typically monthly. It promotes disciplined investing and benefits from compounding over time.
SIPs suit those who prefer smaller, regular investments and reduce the risk of market timing. Lump sum is better in bullish markets if timed well, but SIP offers rupee-cost averaging and lower risk over time.
Yes, you can stop your SIP any time through your mutual fund platform. There are no penalties, but stopping early may affect your long-term returns from compounding.
No, SIP returns are not guaranteed. They depend on the fund's market performance, although long-term SIPs in quality funds have historically given healthy returns.
Occasional missed payments don’t incur mutual fund penalties, but your bank might charge for a failed auto-debit. Repeated misses may lead to SIP cancellation.
Most mutual funds allow you to start a SIP with just ₹500 per month, making it accessible for all types of investors.
SIPs are best for long-term wealth creation. For short-term goals, consider low-risk options like debt mutual funds or fixed deposits instead.
Yes, you can modify your SIP by either changing the amount in your existing plan or starting a new SIP with a different amount.
Tax benefits are available only in SIPs under ELSS (Equity Linked Saving Scheme) funds. Investments in ELSS qualify for tax deduction up to ₹1.5 lakh under Section 80C.
SIP returns are calculated using the compound interest formula based on monthly contributions, tenure, and expected interest rate. SIP calculators help visualize this growth.