SIP Calculator - Calculate SIP Returns Instantly
Your Results
Total Invested Amount
Est. Returns (Wealth Gain)
Total Value (Maturity Amount)
What is SIP?
SIP (Systematic Investment Plan) is a disciplined method of investing a fixed amount regularly in mutual funds - monthly, quarterly, or weekly. Rather than investing a large lump sum at once, SIP allows you to invest smaller amounts consistently, benefiting from the power of compounding and rupee cost averaging over time.
Types of SIP Investments
Regular SIP
The most common type - a fixed amount is auto-debited from your bank account and invested in a chosen mutual fund every month on a set date.
Step-Up SIP (Top-Up SIP)
Allows you to increase your SIP amount periodically (annually or semi-annually) to match income growth. Ideal for salaried individuals expecting salary hikes.
Flexible SIP
Lets you modify the investment amount based on your financial situation each month - increase during surplus months, decrease during lean months.
Perpetual SIP
A SIP with no fixed end date. It continues indefinitely until you manually choose to stop it. Best for long-term wealth creation goals.
How SIP Returns Are Calculated
SIP returns use the future value of an annuity due formula. Here is how it works:
Formula:
M = P × [{(1 + r)^n - 1} / r] × (1 + r)
Where:
M = Maturity amount (future value)
P = Monthly SIP amount
r = Monthly rate of return (Annual Rate ÷ 12 ÷ 100)
n = Number of months (Years × 12)
Worked Example:
- Monthly SIP: ₹5,000
- Expected Annual Return: 12%
- Investment Period: 10 years (120 months)
r = 12 / 12 / 100 = 0.01
n = 120
M = 5000 × [118 / 0.01] × (1.01)
M ≈ ₹11,61,695
Total Invested = 5000 × 120 = ₹6,00,000
Wealth Gain = ₹11,61,695 - ₹6,00,000 = ₹5,61,695
Factors Affecting SIP Returns
- Monthly Investment Amount: Higher investments yield a larger corpus.
- Expected Rate of Return: Depends heavily on market conditions and the chosen mutual fund.
- Investment Duration: The longer you invest, the more compounding works in your favor.
- Start Age: Starting earlier provides a significant compounding benefit over time.
- Fund Category: Equity funds generally offer higher returns with higher risk, while debt funds are more stable but offer lower returns.
Frequently Asked Questions About SIP Calculator
What is SIP?
How is SIP return calculated?
Is SIP better than lump sum investment?
What is the minimum SIP amount in India?
What is rupee cost averaging in SIP?
Can I stop my SIP anytime?
What is the power of compounding in SIP?
Is SIP investment safe?
How accurate is Calcon's SIP Calculator?
What is a good expected return rate for SIP calculation?
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