SIP calculator
SIP Calculator: Plan Your Monthly Mutual Fund Investment
A Systematic Investment Plan, or SIP, lets you invest a fixed amount into a mutual fund every month, smoothing out market volatility through rupee-cost averaging over time. This SIP calculator projects the estimated maturity value of your monthly contributions using compounding, so you can see how a disciplined habit today can grow into a meaningful corpus over 5, 10, or 20 years.
Adjust the monthly investment, expected annual return, and time horizon below to see your estimated corpus, total invested amount, and projected gains update instantly. Use realistic return assumptions based on the fund category you plan to invest in - equity funds have historically returned more than debt funds, but also carry higher volatility.
Estimated SIP maturity value
₹60.5 L
Frequently asked questions
What is a SIP calculator?
A SIP calculator estimates the maturity value of a Systematic Investment Plan by projecting compounded growth on a fixed monthly investment, based on an assumed annual rate of return and time horizon.
How accurate are SIP calculator projections?
SIP calculators assume a constant annual return, but real mutual fund returns fluctuate year to year. Use the projection as a planning estimate, not a guarantee, and revisit your assumptions periodically.
What SIP amount should I start with?
Start with an amount you can invest consistently every month without straining your budget. Many investors begin between 5-10% of monthly income and increase it as income grows.
Does this calculator account for taxes on SIP gains?
No. This calculator shows gross maturity value before capital gains tax. Equity mutual fund gains held over one year are taxed as long-term capital gains under current Indian tax rules.
Can I change my SIP amount later?
Yes, most mutual funds allow you to increase, decrease, pause, or stop a SIP at any time through your fund house or investment platform.
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