SIP Calculator
Calculate how much your monthly SIP investment will grow over time with compound interest.
Total Invested
₹6,00,000
Wealth Gained
₹5,61,695
Maturity Value
₹11,61,695
Growth Over Time
₹11,61,695
| Year | Invested | Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
What is a SIP?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. Instead of investing a lump sum, you invest monthly — which averages out market volatility through rupee cost averaging.
How is SIP Return Calculated?
SIP returns use the future value of an annuity formula: FV = P × (((1 + r)^n - 1) / r) × (1 + r), where P is monthly investment, r is the monthly rate of return (annual rate / 12), and n is total months.
Popular SIP Scenarios
FAQ: Is SIP better than lumpsum?
SIP is better for most investors because of rupee cost averaging — you buy more units when prices are low and fewer when prices are high. Lumpsum can give higher returns in a consistently rising market. Compare SIP vs Lumpsum →
FAQ: What is a good SIP amount to start?
You can start with as little as ₹500/month. Most financial advisors recommend investing at least 20% of your monthly income via SIP. Even ₹5,000/month for 10 years at 12% grows to over ₹11.6 lakh.