Use this SIP Calculator to estimate the future value of your mutual fund investments based on your monthly contributions and expected return rates over time.
SIP Calculator
Plan your mutual fund SIP by estimating total invested amount, estimated gains and maturity value.
Enter SIP details
This is an illustration based on assumed returns using the standard SIP future value formula. Actual mutual fund performance can be higher or lower.
SIP results
10-year horizon| Detail | Value |
|---|---|
| Monthly SIP amount | ₹5,000 |
| Investment period | 10 years |
| Expected annual return | 12% p.a. |
| Total invested amount | ₹0 |
| Estimated returns (wealth gained) | ₹0 |
| Estimated maturity amount | ₹0 |
SIP calculators use a mathematical formula to show how monthly investments grow with compounding. This is not investment advice; please consult a SEBI-registered advisor before investing.
SIP Calculator Guide: Build Your ₹1 Crore Corpus by 2030
Are you planning for a comfortable retirement, your child’s higher education, or simply looking to grow your wealth? Navigating the world of mutual funds can be daunting, but with the right mutual fund sip planner, the road to financial freedom becomes a clear, calculated path.
Using a systematic investment plan calculator is the first step toward disciplined wealth creation. In this guide, we’ll explore how to maximize your returns using our advanced SIP calculator tool.
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is a smart and hassle-free mode of investing in mutual funds. Instead of a one-time lumpsum investment, a SIP allows you to invest a fixed amount regularly—monthly, quarterly, or even weekly.
Why Use a SIP Investment Plan Calculator?
Manual calculations for compound interest, especially with varying frequencies, are prone to error. Our SIP plan calculator uses the precise formula:
$$FV = P \times \frac{(1 + i)^n – 1}{i} \times (1 + i)$$
Where:
- FV = Future Value
- P = Periodic Investment (SIP amount)
- i = Periodic rate of return
- n = Number of payments
How to Use the SIP Calculator Tool Efficiently
To get the most out of our mutual fund calculator, follow these steps:
- Enter your Monthly Investment: Start with an amount you are comfortable with.
- Select the Duration: Wealth creation is a marathon. See how 10 vs. 20 years changes your corpus.
- Expected Rate of Return: For equity mutual funds, investors typically project 12%–15%.
- Analyze the Results: The mf calculator will instantly show you your total investment vs. the estimated wealth gain.
Moving Beyond Basics: The Step-Up SIP
One of the hottest trends in 2026 is the Step-Up SIP. By increasing your SIP amount by just 10% every year as your salary grows, you can reach your goals significantly faster.
Lumpsum vs. SIP: Which is Right for You?
While a systematic investment calculator helps with regular savings, you might have a bonus or inheritance to invest. This is where a lumpsum calculator comes in.
- SIP: Best for salaried individuals; benefits from Rupee Cost Averaging.
- Lumpsum: Best when the market is at a low point; benefits from immediate market exposure.
Planning Your Exit: The SWP Calculator
Wealth creation is only half the battle; the other half is wealth distribution. Once you reach your target corpus, use our systematic withdrawal plan calculator (SWP calculator). It helps you determine how much you can withdraw monthly without depleting your principal too quickly, providing a steady “pension-like” income.
- Best SIP for 2026
- SIP vs FD returns
- How to become a crorepati through SIP
- Mutual fund return estimator
- Inflation-adjusted SIP calculator
FAQs About Mutual Fund SIP Planning
1. Is SIP better than a Lumpsum?
Both have merits. SIP reduces risk through market cycles, while Lumpsum can offer higher returns if invested during a market dip. Use our lumpsum calculator to compare scenarios.
2. Can I change my SIP amount?
Yes, most funds allow you to “top-up” or “pause” your SIPs.
3. What is a “Normal” return for an MF SIP?
Historically, equity mutual funds in India have delivered between 12% and 15% CAGR over 10+ years.
Start Your Wealth Journey Today
Don’t leave your future to chance. Use our systematic investment plan calculator today to see how small, regular steps can lead to a massive financial legacy.