SIP Calculator
Calculate the future value of your monthly Systematic Investment Plan.
Total Corpus
₹50.46 L
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator is a tool that helps you estimate the future value of your mutual fund investments made through regular monthly contributions. SIP is one of the most disciplined ways to invest — you invest a fixed amount every month regardless of market conditions, which averages your purchase cost over time (rupee cost averaging).
This calculator uses the following formula:
Where M = maturity amount, P = monthly investment, i = monthly rate of return, n = number of months.
How Can a SIP Help You?
- Rupee Cost Averaging: By investing regularly, you buy more units when prices are low and fewer when they are high — reducing your average cost over time.
- Power of Compounding: Returns earned on your investments generate further returns. The longer you stay invested, the more dramatic the compounding effect.
- Financial Discipline: SIPs automate saving — you invest before you spend, building a habit that leads to long-term wealth.
- Flexibility: You can start with as little as ₹500/month and increase your SIP as your income grows.
SIP vs Lumpsum — Which is Better?
Both have their place. SIP is better for salaried individuals who want to invest regularly and benefit from rupee cost averaging. Lumpsum is better when you have a windfall (bonus, inheritance) and markets are at attractive valuations. Many investors use both — SIP for regular income and lumpsum during market corrections.