SIP Calculator 2026

For mutual funds

Yearly Investment

₹

Quick Presets:

₹6,000₹60.0 L

Interest Rate (%)

1%30%

Time Period (Years)

Yrs

1 Yr35 Yrs

Investment Summary

Invested Amount

₹1.08 L

Est. Returns

₹28,056

Total Value

₹1.36 L

one lakh thirty six thousand fifty six rupees only

Years	Total Investment	Est. Returns	Total Value
1 year	₹36,000	₹4,320	₹40,320
2 years	₹72,000	₹13,478	₹85,478
3 years	₹1,08,000	₹28,056	₹1,36,056
5 years	₹1,80,000	₹76,147	₹2,56,147
10 years	₹3,60,000	₹3,47,565	₹7,07,565
15 years	₹5,40,000	₹9,63,118	₹15,03,118
20 years	₹7,20,000	₹21,85,154	₹29,05,154
25 years	₹9,00,000	₹44,76,022	₹53,76,022
30 years	₹10,80,000	₹86,50,534	₹97,30,534

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 yearly
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

Yearly SIP FAQs

How does a Yearly SIP work?

A Yearly SIP invests one fixed amount each year on a chosen date. It is effectively an annual lump sum on autopilot, commonly used for ELSS Section 80C investments or to deploy an annual bonus.

Does a Yearly SIP lose much compared to a Monthly SIP?

It depends entirely on timing. Investing the full amount in April gives each rupee 12 more months of growth and usually beats a Monthly SIP; investing in March is worse. Because you cannot know which, a Monthly SIP removes the timing risk.

Is a Yearly SIP good for ELSS 80C tax saving?

It works, but investing in April rather than the March deadline gives the units a full extra year of growth and starts the 3-year ELSS lock-in eleven months sooner. Last-minute March investing is the single most common 80C mistake.

What is the minimum amount for a Yearly SIP?

Fund houses that offer an annual frequency usually set the minimum between Rs 1,000 and Rs 5,000 per instalment, with a minimum of two to four instalments. Not every scheme lists a yearly option, and many investors instead register a one-time lumpsum each year, which achieves the same thing with more control over the date. Check the scheme information document before planning around it.

Does a Yearly SIP in ELSS still complete its lock-in in three years?

Each annual instalment locks for three years from its own allotment date. So money invested in March 2026 is free in March 2029, while the March 2027 instalment is free only in March 2030. A yearly ELSS SIP is actually the cleanest version to track, since you get one lock-in date a year instead of twelve. Do remember that in the New Regime, the default under section 115BAC, ELSS carries no 80C deduction at all.

Does investing once a year cost me much against a monthly SIP?

Some, but less than people expect. The real cost is that money sits idle in your savings account earning about 3% until the annual date arrives. If you invest the lump sum at the start of each year rather than the end, a yearly SIP can even edge ahead of monthly in a rising market, and fall behind in a falling one. The strong argument for monthly is discipline and averaging, not arithmetic.

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