SIP Calculator Mutual Fund Returns
Estimate your SIP or lumpsum corpus — with sliders, frequency options and an inflation toggle.
assumes constant return; actual mf returns are market-linked and vary.
What Is a SIP?
a systematic investment plan (sip) is a way of investing a fixed amount in a mutual fund at regular intervals — usually monthly. it builds discipline, averages your purchase cost across market ups and downs (rupee-cost averaging), and lets compounding work over time.
The SIP Formula
future value = P × ([(1 + i)ⁿ − 1] ÷ i) × (1 + i), where P is the monthly investment, i is the monthly rate of return (annual return ÷ 12 ÷ 100), and n is the number of monthly instalments.
How to Use This Calculator
- enter the monthly amount you plan to invest;
- enter the return you expect per year (equity funds are often estimated at 10–12%);
- enter how many years you'll stay invested;
- see your invested amount, estimated returns and total corpus.
Why SIP Works
small, regular investments are easier to sustain than large lump sums, and staying invested through cycles lets returns compound. the longer the horizon, the larger the share of your final corpus that comes from returns rather than contributions.