What is a SIP calculator?
A SIP calculator is a free online tool that estimates how much your Systematic Investment Plan in a mutual fund could be worth after a chosen number of years. You enter the monthly investment, the expected rate of return and the period, and this SIP calculator online shows the total amount invested, the estimated returns and the maturity value. It also draws a donut chart of invested money versus gains and a year-wise table, so you can see how compounding speeds up in the later years.
Unlike many tools, this one also has a SIP calculator with step up option (raise your SIP every year) and an inflation setting that converts the final corpus into today's money. It is free, needs no sign-up and runs entirely in your browser.
What is SIP and how does it work?
SIP full form is Systematic Investment Plan. It is a way of investing a fixed sum in a mutual fund at regular intervals, usually monthly, instead of putting in one big amount. On each SIP date the fund house buys units at that day's NAV. When markets fall you get more units, and when they rise you get fewer, which averages your purchase cost over time (rupee cost averaging). Over long periods, returns earned on earlier instalments start earning returns of their own – this is the compounding effect a SIP calculator makes visible.
In short, what is SIP investment? It is disciplined, automatic investing that lets a salaried person start with as little as ₹100–₹500 a month and build a large corpus for goals such as a house, a child's education or retirement.
How to use this SIP calculator
- Monthly SIP amount – the sum you plan to invest every month.
- Expected return – the yearly return you expect. Many planners use 10–12% for diversified equity funds and 6–8% for debt funds.
- Investment period – how many years you will keep the SIP running. Try the SIP calculator for 10 years, 20 years or even 30 years to see the difference time makes.
- Yearly step-up (optional) – the percentage by which you increase the SIP each year. Enter 10 for a SIP calculator yearly 10% increase. For more detail use the dedicated step up SIP calculator.
- Inflation (optional) – makes it an inflation adjusted SIP calculator by showing the real value of the maturity amount.
SIP calculator formula
What is the formula of SIP calculator? Indian fund houses and most SIP return calculators use the future value of an annuity due, because each instalment is invested at the start of the month:
FV = P × [ (1 + i)n − 1 ] ÷ i × (1 + i)
- FV = future (maturity) value of the SIP
- P = monthly SIP amount
- i = monthly rate of return = annual return ÷ 12 ÷ 100
- n = number of monthly instalments = years × 12
With a step-up, the formula changes every year, so the calculator simply compounds each month one by one – it gives exactly the same answer as the formula when the step-up is 0%.
How to calculate SIP returns: worked example
Say you invest ₹10,000 a month for 10 years and expect 12% a year. Then i = 12 ÷ 12 ÷ 100 = 0.01 and n = 120.
FV = 10,000 × [(1.01)120 − 1] ÷ 0.01 × 1.01 = ₹23,23,391. You invest ₹12,00,000, so the estimated returns are ₹11,23,391 – almost as much as you put in. Stretch the same SIP to 20 years and the value becomes about ₹99.9 lakh on ₹24 lakh invested. That jump is why people search for a SIP calculator for 20 years or 30 years: most of the growth happens late.
| Monthly SIP at 12% | 10 years | 20 years |
|---|---|---|
| ₹5,000 | ₹11.6 lakh | ₹49.96 lakh |
| ₹10,000 | ₹23.2 lakh | ₹99.9 lakh |
How to calculate SIP in Excel (SIP calculator xls)
You can check any figure in Excel or Google Sheets with the FV function: =FV(12%/12, 120, -10000, 0, 1). The last argument, 1, tells Excel payments are made at the start of each period, matching the formula above. This is handy if you want your own SIP calculator xls sheet.
SIP returns and XIRR
The number in this calculator is a projection at a constant rate. Real mutual fund returns vary every month, so fund statements report SIP performance as XIRR – an annualised return that accounts for each instalment's date. If your statement shows 14% XIRR, you can enter 14% here to see where that pace would take you. To measure a one-time investment's growth between two values, use the CAGR calculator.
SIP vs lumpsum
A SIP calculator vs lumpsum comparison comes down to timing. A lumpsum invests the entire amount on day one, so all of it compounds for the full period – great if you already have the money and markets are reasonably valued. A SIP spreads the risk of buying at a peak and fits a monthly salary. If you have a bonus plus a monthly surplus, you can do both: work out the one-time part with the lumpsum calculator and add it to your SIP result.
SIP vs FD and RD
A SIP calculator vs FD calculator check usually shows a big gap over 10+ years, but the risks differ. Bank FDs and RDs give a guaranteed rate (about 6.5–7.5% in 2026) and are covered by DICGC insurance up to ₹5 lakh; equity SIPs have no guarantee but have historically beaten inflation over long periods. For a like-for-like comparison of monthly saving, see the RD calculator.
SIP with inflation: what your corpus is really worth
₹1 crore in 20 years will not buy what ₹1 crore buys today. At 6% inflation, prices roughly triple in 20 years, so ₹99.9 lakh is worth about ₹31 lakh in today's money. Enter an inflation rate above to turn this into a SIP calculator with step up and inflation, and increase your SIP each year so your savings keep pace with your income.
Tips to get more from your SIP
- Start early. Ten extra years can more than double the final corpus.
- Top up every year. A SIP top up of 10% a year – in line with salary hikes – adds lakhs to the result.
- Don't stop in a fall. Market dips buy more units; stopping loses the benefit of averaging.
- Match the fund to the goal. Equity funds or Nifty 50 index funds for 7+ years; debt or hybrid funds for shorter goals like a best SIP for 5 years search.
- Know the tax. Equity fund gains above ₹1.25 lakh a year held over 12 months are taxed at 12.5% LTCG (Budget 2024 rules); short-term gains at 20%.
SIP frequency: daily, monthly or quarterly
Most people choose a monthly SIP, but fund houses also offer daily, weekly and quarterly SIPs. Over long periods the frequency makes little difference to returns; what matters is the total amount and the time invested. For a quarterly SIP, a rough check is to enter one-third of the quarterly amount as the monthly figure.
Lumpsum, step-up, short and long SIPs: what to enter
SIP calculator monthly investment and monthly return
The amount you enter is invested every month, so this is a SIP calculator for monthly investment by default. People often ask for the monthly return: at 12% a year the SIP calculator uses a monthly rate of 1%, and the return rate field accepts any figure from 1% to 30%.
SIP calculator with lumpsum or initial investment
To add a lumpsum or initial investment, work out the one-time part with the lumpsum calculator and add it to the SIP result, or use the step-up SIP calculator, which has a lumpsum field built in. For a one time investment on its own, simply use the lumpsum tool.
SIP calculator yearly investment and yearly increase
A SIP of one instalment a year grows a little less than 12 monthly instalments of the same total, because money goes in later on average. A yearly increase (also called a top up or incremental SIP) is handled by the step-up field above: enter 10 and the SIP calculator raises your monthly instalment by 10% each year.
SIP calculator for 1 year, in months and for 50 years
For one year, enter 1 as the period: ₹10,000 a month at 12% becomes about ₹1,28,093. Short periods show little compounding, so a SIP calculator run in months (6–12 months) is mostly your own money. At the other end, 50 years shows compounding at its most dramatic – most of the maturity value is returns, not deposits. Periods like 60 or 100 years are only illustrations, as few people invest that long.
SIP calculator daily and quarterly
For a SIP calculator daily estimate, multiply the daily amount by about 21 trading days and enter it as the monthly SIP. For a SIP calculator quarterly investment, enter one-third of the quarterly amount. The answer will be close to the exact figure.
SIP calculator vs SWP calculator
The SIP calculator vs SWP calculator difference is direction: a SIP builds wealth, an SWP draws income from it. Many investors run a SIP for 20–25 years and then switch to an SWP in retirement.
SIP calculator vs RD calculator
A SIP calculator vs RD calculator comparison uses the same monthly amount: ₹5,000 a month for 10 years is about ₹8.7 lakh in a 7% RD and about ₹11.6 lakh in a SIP at an assumed 12%. The RD is guaranteed; the SIP is not.
SIP calculator for mutual fund and Nifty 50
The calculator works for any mutual fund scheme. For a Nifty 50 index fund, many people use 11–12% based on long-term history; for small cap funds, returns swing much more, so test a lower and a higher rate. The SIP calculator compounding is monthly, which matches how SIP units grow.
Is this SIP calculator free?
Yes – this is a SIP calculator free online, with no login, no app download and no limit on how many times you use it. It works on mobile and desktop and is an online SIP calculator for India, with results in rupees and lakh/crore grouping.
SIP calculator for 60 years and 100 years
This SIP calculator accepts periods of up to 100 years, which shows how powerfully compounding works over very long horizons. The figures below assume 12% a year (10% for the 100-year row) and are estimates, not guarantees.
| Monthly SIP | Period | Invested | Estimated value |
|---|---|---|---|
| ₹5,000 | 35 years (age 25 to 60) | ₹21 lakh | ₹3.25 crore |
| ₹5,000 | 60 years | ₹36 lakh | ₹65.2 crore |
| ₹1,000 | 100 years at 10% | ₹12 lakh | ₹255.7 crore |
If you are searching for a SIP calculator for 60 years because you want to retire at 60, enter the years left until your 60th birthday as the period. A 100-year SIP is not realistic for one person, but it is a useful way to plan money meant for children or grandchildren.
SIP calculator in Hindi: key terms
SIP का मतलब है सिस्टमैटिक इन्वेस्टमेंट प्लान – हर महीने एक तय रकम म्यूचुअल फंड में लगाना। If you want a SIP calculator in Hindi, these are the terms on this page: monthly investment = मासिक निवेश, expected return = अनुमानित रिटर्न, time period = अवधि, invested amount = कुल निवेश, and maturity value = परिपक्वता राशि (कुल मूल्य).
SIP calculator vs home loan: recover your loan interest
A popular way to use a SIP calculator vs a home loan is to invest a small part of your EMI alongside the loan. On a ₹50 lakh home loan at 8.5% for 20 years, the EMI is ₹43,391 and total interest is about ₹54 lakh. A SIP of ₹4,339 a month (10% of the EMI) for the same 20 years at 12% could grow to about ₹43 lakh – recovering most of the interest you pay. Compare the loan side with the home loan EMI calculator.
SIP calculator vs XIRR
This SIP calculator projects a future value from a fixed expected return. XIRR does the reverse: it takes your actual SIP dates and amounts plus today's value and tells you the annualised return you really earned. In Excel, list each SIP as a negative cash flow with its date, add the current value as a positive amount, and use =XIRR(values, dates).
How to pick the best SIP plans
There is no single list of best SIP plans for everyone. Match the fund type to your goal: equity or index funds for goals 7+ years away, hybrid funds for 3–7 years, and debt funds for shorter goals. Prefer low expense ratios (direct plans), check consistency over 5–10 years rather than last year's return, and keep the number of funds small.
Frequently asked questions
How to calculate SIP returns?
Use FV = P × [(1 + i)^n − 1] ÷ i × (1 + i), where P is the monthly SIP, i the monthly return (annual rate ÷ 12 ÷ 100) and n the number of months. The SIP calculator above does this for you and shows invested amount, returns and maturity value.
What is the return on ₹10,000 SIP for 10 years?
At an assumed 12% yearly return, a ₹10,000 monthly SIP for 10 years grows to about ₹23.23 lakh on an investment of ₹12 lakh, a gain of about ₹11.23 lakh.
Are SIP calculator returns guaranteed?
No. The calculator assumes a constant return. Mutual fund returns depend on the market and change every year, so treat the result as an estimate, not a promise.
What is a good expected return for a SIP calculator?
Many planners use 10–12% for long-term equity funds, 8–10% for hybrid funds and 6–7% for debt funds. Use a lower figure if you want a conservative estimate.
What is SIP in mutual fund?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals, usually monthly. Each instalment buys units at that day’s NAV.
Can I use this as a SIP calculator with step up and inflation?
Yes. Enter a yearly step-up percentage to increase your SIP every year, and an inflation rate to see the maturity value in today’s money.
What is the difference between SIP and SWP?
A SIP puts money into a fund regularly to build a corpus; an SWP (Systematic Withdrawal Plan) takes money out regularly from a corpus. Use the SWP calculator to plan withdrawals.
Can I use the SIP calculator for 100 years?
Yes. The calculator accepts periods of up to 100 years. ₹1,000 a month at 10% for 100 years grows to about ₹255.7 crore on ₹12 lakh invested – an illustration of compounding rather than a realistic plan.
Last updated 2026-09-18