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SIP Calculator

Plan your systematic investments

₹
%
Yr
0%

Total Value

₹23,23,391

Invested Amount

₹12,00,000

Est. Returns

₹11,23,391

Wealth Gained

Your money grew by 94%

📈

DISCLAIMER: These calculations are for illustrative purposes only and do not constitute professional financial advice. Actual returns or terms may vary based on market conditions or institution policies.

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Using the SIP Calculator

Calculate returns on your Systematic Investment Plan (SIP) with our advanced calculator. Includes step-up logic and inflation impacts.

Latest RBI Rates
Updated Dec 24, 2025 | FY 2025-26 Compliant
Logic VerifiedCross-verified with SBI Mutual Fund Calculator

Key Features

SIP Calculator Online Calculator India - Result Preview and Financial Dashboard
  • •Supports monthly investment amounts from ₹500 to ₹10,00,000+
  • •Flexible tenure selection from 1 year to 40+ years
  • •Real-time estimation of maturity value and total wealth gained
  • •India-specific wealth projection based on historical market trends
  • •Visual growth charts for better financial planning
  • •100% free to use with no hidden sign-ups required

How to calculate SIP Calculator

Step-by-step Guide & Informational Intent

  1. 1.Enter your monthly SIP amount (how much you want to invest each month).
  2. 2.Input the expected annual return rate (average rate of return based on fund type).
  3. 3.Select the investment period (how many years you want to stay invested).
  4. 4.View the detailed results showing your total investment and estimated wealth gained.
  5. 5.Experiment with different amounts to see how small increases can boost your long-term corpus.

How the Calculation Works

SIP Calculator Mathematical Formula and Calculation Logic - Official India Standards
FV = P × [((1 + i)^n - 1) / i] × (1 + i)

The SIP calculator uses the future value of an annuity formula. It assumes that the investment is made at the beginning of each period and that returns are compounded monthly.

Important Assumptions

  • • Stable interest rates throughout the tenure
  • • Monthly compounding frequency
  • • Payments made at the start of the month
  • • No mid-term withdrawals or top-ups
4.8/5(2.3K Ratings)
Mobile-First Optimized
<1s Load Time

SIP Planning Scenarios

₹5,000 monthly SIP: At 12% returns for 20 years, your total investment of ₹12 Lakhs grows to a massive ~₹50 Lakhs.
₹10,000 monthly SIP: At 15% returns for 15 years, you could accumulate nearly ₹67 Lakhs for your financial goals.
Retirement Goal: To build a ₹1 Crore corpus in 25 years at 12%, you only need a monthly SIP of ~₹5,500.
Child Education: Starting early with ₹2,000 for 18 years can provide a solid fund for higher studies.

Regular SIP vs Step-up SIP (₹10,000/mo, 10% Step-up, 12% Return)

TenureRegular SIPStep-up SIPWealth Difference
10 Years₹23.23 Lakhs₹31.14 Lakhs₹7.91 Lakhs Extra
20 Years₹99.91 Lakhs₹1.67 Crores₹67.09 Lakhs Extra
30 Years₹3.53 Crores₹6.94 Crores₹3.41 Crores Extra
"

The projection logic matches exactly with my bank's investment portal. The addition of the inflation-adjusted view is a game changer for retirement planning.

— Rajesh Kumar, Senior Software Architect (Bangalore)

Official Data Sources

Data SourceOfficial Verification
AMFI IndiaAssociation of Mutual Funds in India
SEBI GuidelinesSecurities and Exchange Board of India
MyIndianCalculator Team

Created by MyIndianCalculator Team

Developed by a multidisciplinary team of financial analysts, medical professionals, and data engineers. Our algorithms are rigorously calibrated against official Indian standards (RBI, SEBI, ICMR, WHO) to ensure precision for your financial planning and health monitoring needs.

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SIP Calculator

Calculate returns on your Systematic Investment Plan (SIP) with our advanced calculator. Includes step-up logic and inflation impacts.

A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you contribute a fixed amount (as low as ₹500) regularly—monthly, quarterly, or weekly. It's designed to help Indian investors build wealth over time using the principle of Rupee Cost Averaging.
SIP returns are typically calculated using XIRR (Extended Internal Rate of Return), which accounts for multiple investments made at different times. While the underlying assets grow based on market performance, the compound interest is effectively applied to each installment from the date of investment.
For most Indian retail investors, SIP is preferred because it mitigates the risk of 'timing the market'. It ensures you buy more units when the Indian stock market is down and fewer when it's up, resulting in a lower average cost per unit over time.
Capital gains on SIP investments are taxed based on the type of fund. Equity-oriented SIPs held for over 1 year are taxed at 12.5% (LTCG) beyond ₹1.25 Lakh profit per year. Debt-oriented SIPs are now taxed according to your income tax slab as per latest budget norms.
Yes, one of the biggest advantages for Indian investors is flexibility. You can stop or pause your SIP via your AMC or broker portal without any penalty, and your existing accumulated units will continue to grow.
With India's inflation typically ranging between 4-6%, it's crucial to ensure your SIP returns (usually 12-15% for equity) outpace inflation. This ensures that your 'real' purchasing power increases as you build your corpus.