SIP Calculator 2026

For mutual funds

Monthly Investment

₹

Quick Presets:

₹500₹5.0 L

Interest Rate (%)

1%30%

Time Period (Years)

Yrs

1 Yr35 Yrs

Investment Summary

Invested Amount

₹1.08 L

Est. Returns

₹22,523

Total Value

₹1.31 L

one lakh thirty thousand five hundred and twenty three rupees only

Years	Total Investment	Est. Returns	Total Value
1 year	₹36,000	₹2,428	₹38,428
2 years	₹72,000	₹9,730	₹81,730
3 years	₹1,08,000	₹22,523	₹1,30,523
5 years	₹1,80,000	₹67,459	₹2,47,459
10 years	₹3,60,000	₹3,37,017	₹6,97,017
15 years	₹5,40,000	₹9,73,728	₹15,13,728
20 years	₹7,20,000	₹22,77,444	₹29,97,444
25 years	₹9,00,000	₹47,92,905	₹56,92,905
30 years	₹10,80,000	₹95,09,741	₹1,05,89,741

About SIP Calculator

A Systematic Investment Plan (SIP) calculator helps you estimate the future value of your regular investments. It takes into account the power of compounding and helps you plan your long-term financial goals.

SIP Frequency Comparison

Daily SIP

Advantages

•Maximum power of compounding
•Smaller amounts, easier on daily budget
•More investment opportunities to average out market volatility
•Better for short-term goals

Limitations

•More transaction costs if not automated
•Requires strict daily discipline
•May be overwhelming to track
•Some platforms may not support daily SIPs

Weekly SIP

Advantages

•Good balance of compounding benefits
•Better market averaging than monthly
•Aligns well with weekly income
•More flexible than daily commitment

Limitations

•Requires more active management than monthly
•Weekly commitment might be challenging
•Higher transaction costs than monthly

Monthly SIP

Advantages

•Most common and widely supported
•Aligns with monthly salary cycles
•Easy to maintain and track
•Good balance of compounding and convenience

Limitations

•Less frequent market averaging compared to weekly/daily
•Might miss some market opportunities
•Monthly lump sum might be harder to spare

Quarterly SIP

Advantages

•Lower transaction costs
•Good for long-term investors
•Easier to manage larger sums
•Less frequent monitoring needed

Limitations

•Miss out on short-term market opportunities
•Less benefit from rupee cost averaging
•Larger amounts needed per investment

Yearly SIP

Advantages

•Lowest transaction costs
•Good for annual bonus investments
•Minimal monitoring required
•Suitable for very long-term goals

Limitations

•Minimal benefit from rupee cost averaging
•Miss out on compounding benefits
•Requires larger lump sum amounts
•Higher risk of timing the market wrong

How it Works

The SIP calculator uses the following parameters:

Investment Amount: The amount you invest monthly
Expected Return Rate: Annual expected return rate on your investment
Time Period: Investment duration in years

SIP Formula

FV = P × ((1 + r)^n - 1) × (1 + r)/r

Where:
FV = Future Value
P = Investment Amount
r = Interest Rate per payment period
n = Total Number of Payments

Benefits of SIP

Disciplined investing through regular contributions
Benefit from rupee cost averaging
Power of compounding over long-term
Lower risk through systematic investing
Flexibility to start with small amounts

References

SIP Investment FAQs

How is SIP return calculated in mutual funds?

SIP returns use the future value of an annuity-due formula: M = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly investment, i is the monthly rate of return (annual rate / 12 / 100), and n is the total number of instalments.

What is a good expected return rate for an equity mutual fund SIP in India?

Diversified Indian equity funds have historically delivered 12%–15% CAGR over 10-year-plus horizons. Use 12% for planning: it is close to the long-run Nifty 50 total return and leaves room for a weaker decade. Past returns are not guaranteed.

Can I increase my SIP amount every year?

Yes. A Step-Up (Top-Up) SIP raises your instalment by a fixed percentage or rupee amount each year, usually timed to your appraisal. Raising a SIP 10% a year typically builds a 50%–80% larger corpus over 15–20 years than a flat SIP.

What happens if I miss a SIP instalment?

Nothing is charged by the fund house — the instalment is simply skipped. Your bank may levy an ECS/NACH bounce fee of ₹100–₹750. Most AMCs cancel the mandate after three consecutive failed instalments, so restart it before that.

Can I pause or stop a SIP midway, and what happens to the units already bought?

You can stop a SIP any time by cancelling the mandate on the AMC or RTA site; most fund houses also allow a pause of one to six months. Give the instruction about 10-15 working days before the next debit date or one more instalment will go through. Units already bought stay invested and keep growing — stopping a SIP only stops fresh purchases, it does not redeem anything. In ELSS the units keep their own three-year lock-in.

Why does the XIRR on my statement differ from the return this calculator shows?

This calculator assumes one steady rate applied to every instalment, so it reports a flat annual return. XIRR on your CAS or AMC statement solves for the one rate that fits your actual cash flows with their real dates — missed instalments, extra lumpsums, partial redemptions and the exact NAV on each debit. Because real markets are uneven, XIRR is the honest figure for what you earned; treat the calculator's number as a planning estimate, not a report card.

What happens if my SIP date falls on a Sunday or a bank holiday?

The debit and the purchase simply move to the next working day, and you get that day's NAV. Nothing is missed and no penalty applies. Units are allotted on the day the money actually reaches the fund house, so a holiday can shift your NAV by a day or two in either direction. Over a 10 or 15 year SIP these shifts cancel out, which is why picking the 5th over the 10th makes no meaningful difference to the final corpus.

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