SIP Calculator.
Plan Your Wealth, Systematically.
Project your SIP returns over any time horizon — see exactly how much your monthly investments will grow.
SIP Calculator Inputs
Enter your monthly investment details and expected returns
SIP Results
Your investment growth projection
Enter your SIP details and click Calculate to see projected returns
How SIP (Systematic Investment Plan) Works
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals — weekly, monthly, or quarterly. It is the most common way retail investors participate in mutual funds and index funds globally, including the US, India, and Singapore.
- Dollar/Rupee Cost Averaging: You buy more units when prices are low and fewer when high — reducing average cost over time
- Compound Growth: Returns compound on themselves, dramatically accelerating wealth over 10–20+ years
- Disciplined Investing: Automates investing so emotions don't interfere with the plan
- Flexible & Low Minimum: Start with as little as $50/month; pause, stop, or step-up anytime
SIP Return Calculator Formula
Future Value = P × [((1 + r)^n - 1) / r] × (1 + r)P = Monthly investment, r = Monthly return rate (annual ÷ 12), n = Total months
Step-Up SIP Calculator
A step-up SIP increases your investment amount by a fixed % each year (e.g., 10% annually). If you invest $500/month today and step up 10% each year, your monthly investment becomes $550 in year 2, $605 in year 3, etc. This dramatically improves long-term wealth creation by matching your investment growth to salary increments.
SIP Investment Plans — What to Invest In
The best systematic investment plan depends on your goal and time horizon. Common options include:
Index Funds (VOO, SPY, NIFTY50)
Lowest cost, market-matching returns. Best for long-term SIP (10+ years). Ideal for US investors via Vanguard, Fidelity, or Schwab.
Large-Cap Equity Funds
SIP into blue-chip funds for steady growth. Examples: SBI Blue Chip (India), Fidelity 500 Index (US). 10–12% expected CAGR.
Mid/Small-Cap Funds
Higher growth potential (12–15% CAGR) with higher volatility. Better for SIP investors with 7+ year horizon who can ride downturns.
Balanced/Hybrid Funds
Mix of equity and debt. Lower volatility than pure equity SIPs. Good for conservative investors or 3–5 year goals.
Frequently Asked Questions
What is SIP and how does it work?▾
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals. It uses rupee cost averaging — you buy more units when prices are low and fewer when prices are high — reducing the impact of market volatility on your overall returns.
How much should I invest in SIP monthly?▾
A common rule is to invest at least 20% of your monthly income. For beginners, starting with ₹500–₹1,000/month and increasing by 10% annually (step-up SIP) is a practical approach. Use the SIP calculator above to find the amount needed to reach your specific financial goal.
What return rate should I assume for SIP calculation?▾
For large-cap equity mutual funds, a realistic long-term return assumption is 10–12% per annum. Mid-cap and small-cap funds can return 12–15% but carry higher risk. Debt funds typically return 6–8%. Always use conservative estimates for financial planning.
Is SIP better than lumpsum investment?▾
SIP is better for regular investors who want to avoid timing the market and invest disciplined amounts monthly. Lumpsum is better if you have a large amount ready and the market is at a low valuation. Studies show lumpsum outperforms SIP 68% of the time in rising markets, but SIP reduces downside risk.