Input type
Mutual Fund Planner
SIP calculator for monthly investing
Enter your monthly SIP amount, expected annual return, and investment duration to estimate your total corpus, invested amount, and wealth gained.
Monthly investing
Compounding growth
Corpus estimate
Best for
Mutual fund planning
Output
Invested + corpus
Enter SIP details
Fill in your monthly investment, expected return and tenure.
Before you calculate
- Monthly SIP amount is invested at the start of each month.
- Expected return is annualised — typically 10–14% for equity funds.
- Returns are compounded monthly.
Why use this SIP calculator?
It helps you visualise the power of compounding with monthly contributions so you can set realistic goals for your mutual fund SIP investments.
About SIP Investment Planning
A SIP (Systematic Investment Plan) calculator helps project the future value of regular monthly investments. It uses the concept of compounding to show how small monthly contributions can grow into a significant corpus over time.
How SIP compounding works
Each monthly instalment earns returns, and those returns themselves earn returns in subsequent months — this is the power of compounding.
Choosing the right return rate
Historical large-cap equity funds have delivered 10–13% CAGR. Use a conservative 10–12% for planning while being mindful of market volatility.
SIP vs Lumpsum
SIP reduces timing risk by spreading investments across market cycles, whereas lumpsum investing requires timing the market correctly for optimal results.
Before final decision
Actual returns depend on fund performance, exit loads, and expense ratios. This calculator provides an estimate using a fixed annual return assumption.