Estimate SIP returns, maturity amount, and compare two SIP scenarios side by side.
SIP (Systematic Investment Plan) is a disciplined investment method where you invest a fixed amount regularly in mutual funds. Instead of investing a large lump sum, SIP lets you invest small amounts monthly, making it accessible to everyone.
When you start a SIP, your monthly contribution automatically gets invested in your chosen mutual fund scheme. Over time, your investments compound and grow, benefiting from rupee cost averaging — you buy more units when markets are down and fewer when markets are up, averaging out your purchase cost.
SIP is the most popular investment method in India because it builds financial discipline, requires no market timing, and creates significant wealth over the long term.
This SIP Calculator helps you estimate the future value of your monthly SIP investments based on three key inputs:
Using these inputs, the calculator instantly shows:
This helps you plan financial goals like retirement, children's education, house down payment, or wealth creation.
The SIP Calculator uses the Future Value of Annuity formula to compute returns:
FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Where:
Your monthly contributions compound every month at the expected rate. The longer you invest, the more powerful the compounding effect becomes, exponentially increasing your wealth.
Both SIP and Lumpsum are valid investment approaches, but they suit different investor profiles, financial situations, and market conditions. Here's a comprehensive breakdown to help you choose the right strategy.
| Aspect | SIP | Lumpsum |
|---|---|---|
| Investment Style | Fixed amount every month | Entire amount invested at once |
| Capital Required | Lower monthly commitment | Large upfront capital needed |
| Market Timing Risk | Minimal (rupee cost averaging) | Significant (depends on timing) |
| Discipline Required | High (consistent investing) | Low (one-time decision) |
| Flexibility | Can pause or adjust easily | Fixed commitment |
| Psychological Stress | Lower (gradual investing) | Higher (all-in at once) |
| Best for | Salaried individuals, beginners | Windfall amounts, investors with conviction |
| Ideal Market Condition | Volatile / uncertain markets | Market dips or bull runs |
SIP is your best choice if:
Lumpsum is ideal if:
Scenario A: Using SIP
Scenario B: Using Lumpsum
Most investors combine both strategies:
Pro Tip: The "best" investment strategy is the one you can stick with consistently. SIP wins for regular investors because it builds discipline, removes market timing pressure, and leverages rupee cost averaging—making wealth creation more reliable over 15-20 years.
One of the most common questions: How much SIP do I need to reach ₹1 crore?
Illustrative Examples (at 12% CAGR):
| Investment Period | Monthly SIP Required | Total Invested |
|---|---|---|
| 10 Years | ₹43,500/month | ₹52.2 lakh |
| 15 Years | ₹20,000/month | ₹36 lakh |
| 20 Years | ₹10,000/month | ₹24 lakh |
| 25 Years | ₹5,500/month | ₹16.5 lakh |
| 30 Years | ₹3,000/month | ₹10.8 lakh |
These are illustrative calculations. Actual returns depend on market performance. Start early to benefit from compounding!
How to use this calculator for goal planning: Enter your target corpus (e.g., ₹1 crore), adjust time period and CAGR, then experiment with different monthly SIP amounts until you reach your goal.
To keep calculations transparent and simple, this SIP calculator assumes:
Always consult your fund factsheet for actual expense ratios and historical returns before investing.
Capital Growth Over Time: This line chart shows how your SIP investment grows year by year. The blue line represents your total corpus value. Notice how growth accelerates in later years due to compounding - this is the "magic" of long-term investing.
Invested vs Gains Breakdown: The ring chart visually separates your total contributions (green) from investment returns/gains (light teal). This helps you see how much of your wealth comes from your own money versus market returns.
SIP Comparison Chart: The dual-line comparison chart lets you compare two different SIP scenarios side-by-side, helping you understand the impact of changing investment amounts, tenure, or expected returns.
These visuals make it easier to understand why consistent, long-term SIP investing is powerful for wealth creation.
This calculator is ideal for:
SIP is suitable for all age groups and income levels. Start with as little as ₹500/month and increase gradually as your income grows.
This page includes an Alternative SIP section (SIP 2) so you can compare two different investment paths side by side. Use it to answer questions like:
Step-by-step:
This comparison is especially useful for goal planning—choose the plan that fits your monthly budget while reaching your target corpus.
This SIP calculator is provided for educational and planning purposes only. It is not financial advice and does not guarantee returns. Mutual fund investments are subject to market risks. SIP outcomes depend on fund performance, market conditions, asset allocation, and fund expenses. Past performance does not guarantee future results. Always read scheme documents carefully and consider consulting a qualified financial advisor before investing.