SIP & Lumpsum Calculator

A SIP (Systematic Investment Plan) Calculator helps you estimate the future value of your mutual fund investments made through regular monthly contributions. SIP is one of the most disciplined and popular ways to invest in mutual funds, allowing you to benefit from rupee cost averaging and the power of compounding.

Formula Used

Where M is the maturity amount, P is the monthly SIP amount, r is the expected monthly rate of return (annual rate ÷ 12), and n is the total number of monthly instalments.

Example Calculation

If you invest ₹5,000 per month for 10 years (120 months) with an expected annual return of 12%, your monthly rate is 1%. The estimated maturity value is approximately ₹11,61,695. Your total investment over 10 years is ₹6,00,000 and your estimated returns are ₹5,61,695 — nearly doubling your money.

How to Use This Calculator

1. Enter your monthly SIP amount — even ₹500 is a great start.
2. Enter the expected annual rate of return (typically 10–14% for equity mutual funds historically).
3. Enter the investment period in years.
4. Click Calculate to see your total invested amount, estimated returns, and maturity value.

Tips for Better SIP Returns

• Start early — even a few extra years can make a massive difference due to compounding.
• Increase your SIP amount by 10% every year (Step-Up SIP) as your income grows.
• Stay invested through market ups and downs — do not stop SIPs during corrections.
• Choose funds aligned with your risk appetite: large-cap for stability, mid/small-cap for higher growth potential.