SIP Calculator — Calculate Monthly Investment Returns
Calculate returns on monthly SIP investments with compound interest.
About this tool
Calculate expected returns on your monthly SIP investments. See how compound interest grows your wealth over time with adjustable rate and tenure inputs. Plan your mutual fund SIP strategy with confidence.
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds every month. It eliminates the need for market timing by maintaining a steady investment flow regardless of market conditions — turning wealth-building into a consistent, automated habit.
The Power of Compounding
SIP growth is back-heavy by design. Your principal earns returns, which then earn their own returns. The most significant wealth acceleration happens in the later years of your tenure, which is why staying invested through market cycles is the single most powerful investment strategy.
trending_upStep-Up SIP Strategy
As your income grows, your investments should too. A Step-Up SIP automatically increases your monthly contribution by a fixed percentage each year — aligning investment growth with salary increments.
A 10% annual step-up can potentially double your final corpus compared to a flat SIP over a 20-year horizon.
Quick Usage Guide
- 1Calculate SIP returns with compound interest
- 2Adjustable monthly amount, rate, and tenure
- 3Visual chart showing investment growth over time
- 4Compare different SIP scenarios side by side
Frequently Asked Questions
help_outlineWhat is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds, letting you benefit from rupee cost averaging and compound growth over time.
verifiedHow is SIP return calculated?
Returns are calculated using the compound interest formula applied monthly on your cumulative investment, based on the expected annual return rate you enter.
quizCan I compare different SIP scenarios?
Yes, adjust the monthly amount, expected return rate, or tenure to instantly see how different inputs change your final corpus.
account_balance_walletAre these projections guaranteed?
No. The calculator provides estimates based on a fixed rate. Actual mutual fund returns vary with market conditions and are not guaranteed.