SIP Calculator
Calculate your SIP Maturity Amount, Total Investment, and Estimated Returns instantly. 100% Free - No registration required!
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Calculate your SIP Maturity Amount, Total Investment, and Estimated Returns instantly. 100% Free - No registration required!
Calculate your SIP returns with estimated return rate of 12%
| Year | Total Investment (₹) | Total Returns (₹) | Balance (₹) |
|---|---|---|---|
| 1 | ₹ 60,000.00 | ₹ 4,046.64 | ₹ 64,046.64 |
| 2 | ₹ 120,000.00 | ₹ 16,216.00 | ₹ 136,216.00 |
| 3 | ₹ 180,000.00 | ₹ 37,538.24 | ₹ 217,538.24 |
| 4 | ₹ 240,000.00 | ₹ 69,174.17 | ₹ 309,174.17 |
| 5 | ₹ 300,000.00 | ₹ 112,431.83 | ₹ 412,431.83 |
| 6 | ₹ 360,000.00 | ₹ 168,785.15 | ₹ 528,785.15 |
| 7 | ₹ 420,000.00 | ₹ 239,894.99 | ₹ 659,894.99 |
| 8 | ₹ 480,000.00 | ₹ 327,632.83 | ₹ 807,632.83 |
| 9 | ₹ 540,000.00 | ₹ 434,107.53 | ₹ 974,107.53 |
| 10 | ₹ 600,000.00 | ₹ 561,695.38 | ₹ 1,161,695.38 |
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SIP (Systematic Investment Plan) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly/quarterly). It helps in building wealth over time through the power of compounding.
SIP returns are calculated using the formula: FV = P × ((1 + r)^n - 1) / r × (1 + r), where P is monthly investment, r is monthly return rate, and n is number of months. Our calculator uses this exact formula.
Most mutual funds allow SIP investments starting from ₹500 per month. Some funds may have a minimum of ₹1000 or ₹5000 depending on the fund type.
Historically, equity mutual funds have given 12-15% returns over the long term. However, returns are not guaranteed and depend on market conditions. Our calculator uses 12% as default.
ELSS (Equity Linked Savings Scheme) SIPs are tax-deductible under Section 80C up to ₹1.5 lakh. Other SIPs are subject to capital gains tax based on holding period.
Yes, you can pause or stop your SIP anytime. There is no lock-in period for most mutual funds (except ELSS which has 3-year lock-in).
Yes, our calculator uses the standard SIP formula with monthly compounding. Results are accurate to 2 decimal places. However, actual returns may vary based on market performance.