SIP Calculator – Systematic Investment Plan Calculator (India)

Calculate your mutual fund SIP returns, future value, and investment growth with our advanced SIP calculator. Plan your step-up SIP and achieve your financial goals.

Basic SIP
Step-Up SIP
Lump Sum + SIP
Goal-Based SIP

Calculate Your SIP Returns

Enter monthly investment amount (minimum ₹100)
Expected rate of return per year
Investment period in years
Adjust for inflation to see real returns

Step-Up SIP Calculator

Starting monthly investment amount
Percentage increase in SIP every year
Expected rate of return per year
Investment period in years

Lump Sum + SIP Calculator

One-time initial investment
Monthly SIP investment
Expected rate of return per year
Investment period in years

Goal-Based SIP Planning

Financial goal amount you want to achieve
Expected rate of return per year
Time to achieve your goal

Investment Summary

Total Invested

₹0

Future Value

₹0

Total Gain

₹0

Real Return (After Inflation)

-

Investment Growth Over Time

Year-wise Breakdown

Year Invested (₹) Portfolio Value (₹)

What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan (SIP) is a method of investing a fixed sum regularly in mutual funds. It allows investors to participate in the stock market without timing it, benefiting from rupee cost averaging and compounding over the long term.

Benefits of SIP Investing

  • Disciplined Investing: SIP enforces financial discipline by automating regular investments
  • Rupee Cost Averaging: Buy more units when prices are low and fewer when prices are high
  • Power of Compounding: Earn returns on your returns over the long term
  • Flexibility: Start with as low as ₹500 per month and increase gradually
  • Long-Term Wealth Creation: Ideal for achieving financial goals like retirement, education, or buying a home

Why Use Our SIP Calculator?

Our advanced SIP calculator helps you plan your investments accurately. Whether you're calculating basic SIP returns, planning step-up SIP investments, combining lump sum with SIP, or determining how much to invest for a specific goal, this tool provides comprehensive results with inflation-adjusted projections.

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