SIP Calculator — Calculate SIP Returns
Calculate returns on your Systematic Investment Plan (SIP). See how your monthly mutual fund investments grow over time.
By SwiftCalcTools Editorial Team · Formula verified
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How to Use SIP Calculator
- 1Enter the required values in the input fields above.
- 2Click the Calculate button or results update instantly as you type.
- 3View your results in the output panel below the inputs.
- 4Adjust any values to recalculate instantly.
Formula & Method
FV = P × [ ((1 + r)ⁿ − 1) / r ] × (1 + r)
Frequently Asked Questions
SIP or Systematic Investment Plan is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It leverages rupee cost averaging and compounding to build wealth over time.
No. SIP returns are market-linked and not guaranteed. The calculator uses an assumed constant rate of return for illustration. Actual returns vary based on market performance.
Historically, diversified equity mutual funds in India have delivered 10–15% annual returns over long periods (10+ years). For conservative planning, 10–12% is commonly used. Debt funds typically return 6–8%.
Each monthly investment earns returns, and those returns also earn returns in subsequent months. Over long periods, the compounding effect becomes very powerful — often doubling or tripling your invested amount.
Yes. Many mutual funds offer Step-Up SIP, where you can automatically increase your SIP by a fixed % each year. Increasing SIP by even 10% annually can dramatically boost your final corpus.
Most mutual funds allow SIPs starting from ₹100–₹500 per month. There is no upper limit.