Investment Calculator

SIP Calculator
See Exactly How Your Monthly SIP Grows

Instant SIP Projection  |  Year-by-Year Chart  |  Always Free
SIP Step-Up SIP Lumpsum F.I.R.E
SIP Parameters
Monthly Investment (₹)
₹1,000₹25L
Inv. Duration
1 Yr50 Yrs
Expected Return (p.a.)
%
1%30%
Total Value
Total Invested + Estimated Returns
—
Estimated Returns
Returns on Investment
—
Total Invested
—
Absolute Returns
—
Break-up of Total Value
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SIP CALCULATOR — MUTUAL FUND RETURNS
SIP Calculator — Estimate the Future Value of Your Investments
A Systematic Investment Plan (SIP) allows you to invest a fixed amount in mutual funds every month, building wealth through the power of compounding. Our SIP Calculator shows you exactly how your monthly investment grows over time — the total corpus, estimated returns, and year-by-year growth chart.
What is a SIP?

A SIP is a method of investing a fixed amount regularly in mutual funds — usually every month. Instead of trying to time the market, you invest consistently regardless of market conditions. Over time, this averages out your purchase cost (rupee cost averaging) and lets compounding work in your favour.

The SIP formula is: FV = P × [((1+r)^n - 1) / r] × (1+r), where P is the monthly investment, r is the monthly rate, and n is the number of months.

Example: ₹50,000 SIP at 12% for 10 Years
Monthly SIP: ₹50,000 | Duration: 10 years | Return: 12% p.a.
Total Invested: ₹60,00,000
Estimated Value: ~₹1,16,17,000
Estimated Returns: ~₹56,17,000
Why 12% Return Assumption?

Long-term historical returns of diversified equity mutual funds in India have been in the 10–14% range. 12% is commonly used as a middle-ground estimate. Actual returns will vary based on market conditions, fund selection, and investment period. This calculator assumes a constant annual return — real returns are non-linear.

Power of Starting Early

A ₹10,000 SIP started at age 25 for 35 years at 12% grows to approximately ₹6.5 crore. The same SIP started at 35 for 25 years grows to only ₹1.9 crore. Starting 10 years earlier can multiply your corpus by more than 3x — that is the power of compounding over time.

Disclaimer — DigiCalc Platform

All content on DigiCalc, including calculators, blogs, articles, and other materials, is provided solely for general informational, educational, and illustrative purposes, and should not be considered or relied upon as financial, investment, legal, or tax advice.

Calculator outputs are estimates based on user-provided inputs and standard mathematical formulas. Actual results — including but not limited to EMIs, SIP returns, investment returns, and retirement corpus requirements — may vary significantly due to factors not captured by these tools.

While DigiCalc takes reasonable care in building its calculators, outputs may contain errors, inaccuracies, or omissions arising from incorrect formulas, assumptions, or data. DigiCalc makes no representation or warranty, express or implied, as to the accuracy, completeness, or reliability of any calculator output or other content on this platform.

DigiCalc is not a SEBI-registered investment adviser, research analyst, or portfolio manager. Nothing on this platform constitutes a recommendation or solicitation to buy, sell, or hold any financial product or security.

Certain tools and illustrations may assume constant or linear rates of return. In reality, financial markets are subject to risks, volatility, and non-linear return patterns. Actual outcomes may differ materially from projections. Past performance is not indicative of future results.

Users are strongly advised to consult a qualified professional, such as a SEBI-registered investment adviser or a Certified Financial Planner (CFP), before making any financial decisions.

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

DigiCalc expressly disclaims all liability for any loss or damage, including financial loss, arising directly or indirectly from reliance on any content, information, or outputs provided on this platform.