SIP Calculator — Systematic Investment Plan
Plan mutual fund SIP investments. Estimate future value, total returns, and wealth growth from monthly contributions.
Last updated: 2026-06-01
Investment Details
5.00 Thousand rupees only
Investment Summary & Breakdown
Total Investment
₹6,00,000
Over 10 years
Estimated Returns
₹5,61,695
From compounding
Total Value
₹11,61,695
Final corpus
Return on Investment
93.6%
Returns % of Total
48.4%
Investment Growth
Yearly Investment Analysis
Regular SIP Details
Monthly Investment
₹5,000
Fixed amount every month
Total Investment
₹6,00,000
Over 10 years
Investment Schedule
| Year | Investment | Portfolio Value | Returns | Return % |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 | 6.7% |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 | 13.5% |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 | 20.9% |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 | 28.8% |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 | 37.5% |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 | 46.9% |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 | 57.1% |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 | 68.3% |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 | 80.4% |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 | 93.6% |
Understanding SIP
Understanding SIP Investment
What is SIP?
Systematic Investment Plan (SIP) is an investment strategy where you invest a fixed amount regularly in mutual funds, typically on a monthly basis. It's like a recurring deposit but for mutual fund investments.
How SIP Works
- • You invest a fixed amount (e.g., ₹5,000) every month
- • The amount is automatically invested in your chosen mutual fund
- • You get units based on the current NAV (Net Asset Value)
- • Over time, your investment grows through compounding
SIP Formula
The future value of SIP is calculated using the formula:
Where: P = Monthly Investment, r = Monthly Rate, n = Total Months
How to Use This Calculator
Enter Investment Details
Fill in your monthly investment amount, expected return rate, and investment period. The calculator shows the amount in words.
Choose SIP Type
Enable step-up SIP if you want to increase your monthly investment annually, or keep it regular.
Calculate Returns
Click calculate to see your total investment, estimated returns, and final corpus value.
Analyze Growth
View the investment growth charts and yearly breakdown to understand your wealth accumulation.
Review Schedule
Check the investment schedule to see year-wise breakdown of your investments and returns.
Pro Tips
- • Start early to benefit from compound interest
- • Consider step-up SIP to increase investments with income growth
- • Higher returns mean more wealth accumulation over time
- • Regular SIP helps in rupee cost averaging
Ready to Start Your SIP Journey?
Use our comprehensive SIP calculator to plan your investments and achieve your financial goals.
Data sources
Rates and thresholds on this page are based on official publications. Verify against the source for your specific circumstances.
- U.S. SEC — Investor.gov — verified 2026-06-01 · Time value of money / regular contribution formulas
How SIP Returns Work
A Systematic Investment Plan (SIP) invests a fixed amount each month, benefiting from compounding and rupee-cost averaging. Future value is calculated using the standard annuity formula with monthly compounding.
For example, investing ₹10,000 per month at 12% annual return for 10 years grows to roughly ₹23.2 lakh — about ₹11.2 lakh in estimated returns on ₹12 lakh invested.
Mutual fund returns are not guaranteed. Past performance does not predict future results. This tool is for planning only — not investment advice.
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