Calculate the future value of your Systematic Investment Plan in seconds. Enter your monthly SIP amount, expected annual return, and investment duration — and see your wealth grow.
SIP Calculator
What Is a SIP?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly typically every month in a mutual fund scheme of your choice. It is one of the most popular ways to invest in India because it builds financial discipline, removes the need to time the market, and harnesses the power of compounding.
Whether you are a first-time investor starting with ₹500 per month or an experienced investor putting in ₹50,000 monthly, SIP helps you grow wealth steadily over time.
What Is a SIP Calculator?
A SIP Calculator is a free online tool that estimates the future value of your SIP investment based on three inputs: your monthly investment amount, the expected annual rate of return, and the investment duration in years. It uses the compound interest formula to show you how much your total corpus will be at the end of the investment period.
SIP Returns by Amount & Duration (Reference Table)
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years |
|---|---|---|---|---|
| ₹5,000 | ₹3.96L | ₹11.6L | ₹25.2L | ₹49.9L |
| ₹10,000 | ₹7.9L | ₹23.2L | ₹50.5L | ₹99.9L |
| ₹25,000 | ₹19.8L | ₹58.1L | ₹1.26Cr | ₹2.5Cr |
| ₹50,000 | ₹39.6L | ₹1.16Cr | ₹2.52Cr | ₹4.99Cr |
Wealth Infoline SIP - FAQ's
Most mutual funds allow SIPs starting from ₹500 per month. Some funds have a minimum of ₹1,000. There is no upper limit.
For equity mutual funds, 10%-14% per annum is commonly used as an estimate. For debt funds, 6%-8% is more realistic. Use conservative estimates for planning.
Yes. You can pause or stop your SIP at any time without any penalty. Your existing investment will continue to remain invested until you redeem it.
No. You can set up SIPs in any mutual fund category equity, debt, hybrid, ELSS, index funds, and more.
SIP invests a fixed amount at regular intervals, averaging out the purchase cost. A lump sum investment is a one-time payment. SIP reduces timing risk while lump sum may give higher returns if invested at the right time.
The calculator shows nominal returns. To get inflation-adjusted (real) returns, subtract the expected inflation rate (typically 5%-6%) from the expected return rate.
