SIP Calculator

Calculate your SIP returns and plan mutual fund investments

Investment Details

Amount: $5000
Return: 12% annually
Duration: 10 years (120 months)

SIP Results

Maturity Amount
$1161695
Total Investment
$600000
Total Returns
$561695

Yearly Projection

Year 1Maturity: $64047
Investment: $60000
Returns: $4047
Year 2Maturity: $136216
Investment: $120000
Returns: $16216
Year 3Maturity: $217538
Investment: $180000
Returns: $37538
Year 4Maturity: $309174
Investment: $240000
Returns: $69174
Year 5Maturity: $412432
Investment: $300000
Returns: $112432
Year 6Maturity: $528785
Investment: $360000
Returns: $168785
Year 7Maturity: $659895
Investment: $420000
Returns: $239895
Year 8Maturity: $807633
Investment: $480000
Returns: $327633
Year 9Maturity: $974108
Investment: $540000
Returns: $434108
Year 10Maturity: $1161695
Investment: $600000
Returns: $561695

Disclaimer

These are computer-generated calculations for informational purposes only. Actual returns may vary based on market conditions. Please consult with a financial advisor before making investment decisions. The calculations may not be 100% accurate and should not be the sole basis for financial planning.

What is SIP Calculator?

A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your mutual fund investments through regular monthly contributions. It uses compound interest to show how small, consistent investments can grow into substantial wealth over time.

Essential for financial planning, retirement preparation, and understanding the power of disciplined investing in equity and debt mutual funds.

How SIP Works

1

Choose a mutual fund scheme based on your risk profile and investment goals

2

Set up automatic monthly investment of a fixed amount (check minimum requirements)

3

Money gets invested on a specific date each month regardless of market conditions

4

Benefit from rupee cost averaging and compounding over the long term

SIP Benefits & Strategies

Rupee Cost Averaging

Buy more units when prices are low and fewer when prices are high, reducing average cost per unit over time.

Power of Compounding

Returns generate their own returns, creating exponential growth especially effective over longer investment horizons.

Disciplined Investing

Automated investments remove emotional decision-making and ensure consistent wealth building regardless of market volatility.

Frequently Asked Questions

What is the minimum SIP amount?

Most mutual funds allow SIP starting from a small amount per month, though some funds may have higher minimums. Check with your fund provider for specific limits.

Can I increase or decrease my SIP amount?

Yes, you can modify SIP amounts through step-up SIPs, pause for up to 3 months, or stop anytime without penalties.

What returns can I expect from SIP?

Equity funds historically average 12-15% annually over 10+ years, while debt funds typically provide 7-9% returns with lower volatility.