SIP Calculator — Calculate Monthly SIP Returns Online
A Systematic Investment Plan, or SIP, is one of the simplest and most effective ways to build wealth over time. The idea is straightforward: you invest a fixed amount every month into a mutual fund, and compound interest does the heavy lifting. Even small amounts — say Rs 5,000 a month — can grow into a substantial corpus over 15 or 20 years thanks to the power of compounding. SIP has become enormously popular in India because it removes the need to time the market and encourages a disciplined savings habit. Use the calculator below to see exactly how your monthly investments would grow at different return rates and time horizons. You can also model step-up SIPs where your contribution increases each year.
SIP Calculator
Systematic Investment Plan
Results
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Frequently Asked Questions
What is a Systematic Investment Plan (SIP)?
A SIP lets you invest a fixed amount in a mutual fund at regular intervals — usually monthly. Instead of investing a large lump sum at once, you spread your investment over time. This approach helps you benefit from rupee cost averaging, where you buy more units when prices are low and fewer when prices are high, smoothing out market volatility over the long run.
How much should I invest monthly in a SIP?
That depends on your financial goals, timeline, and risk appetite. A common starting point is to invest 15-20% of your monthly income. You can start with as little as Rs 500 per month in most mutual funds. Use the calculator above to experiment with different amounts and see how they compound over time.
Is SIP better than lumpsum investment?
Neither is universally better — it depends on market conditions and your financial situation. SIP works well for salaried investors who want disciplined, regular investing without timing the market. Lumpsum can outperform if you invest at a market low. In practice, most investors benefit from SIP because it removes the emotional burden of trying to time the market.
What kind of returns can I expect from a SIP?
Returns depend on the type of fund and market conditions. Historically, equity mutual funds in India have delivered around 12-15% annualised returns over 10+ year periods, though this is not guaranteed. Debt funds typically return 6-8%. The real power of SIP lies in compounding — even modest monthly investments can grow significantly over 15-20 years.