India Sip Calculator

Use this Systematic Investment Plan (SIP) calculator to estimate the potential returns on your monthly investments in mutual funds. Understand how compounding can help your wealth grow over time.

Monthly SIP Amount (₹):

Expected Annual Return (%):

Investment Period (Years):

Your SIP Investment Details:

Total Invested Amount: ₹0

Estimated Returns: ₹0

Total Value of Investment: ₹0

What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount of money regularly, typically monthly, into a mutual fund scheme. It's similar to a recurring deposit, but instead of a bank, you're investing in market-linked instruments. SIPs are popular in India for their disciplined approach to investing and the benefit of rupee cost averaging.

How Does SIP Work?

When you invest through SIP, a predetermined amount is debited from your bank account on a chosen date each month and invested in the mutual fund. This regular investment buys units of the mutual fund. When the market is high, you buy fewer units, and when the market is low, you buy more units. This strategy, known as rupee cost averaging, helps reduce the average cost per unit over time and mitigates the risk of market volatility.

Benefits of SIP

Disciplined Investing: SIPs encourage a regular savings habit, ensuring you invest consistently regardless of market conditions.
Rupee Cost Averaging: By investing a fixed amount regularly, you buy more units when prices are low and fewer when prices are high, averaging out your purchase cost over time.
Power of Compounding: Returns generated on your investments are reinvested, earning further returns. This compounding effect can significantly boost your wealth over the long term.
Affordability: You can start a SIP with amounts as low as ₹500 per month, making it accessible to a wide range of investors.
Flexibility: Most SIPs offer flexibility to increase, decrease, pause, or stop your investments as per your financial situation.

How to Use the SIP Calculator

Our India SIP Calculator helps you visualize the potential growth of your investments. Simply input the following details:

Monthly SIP Amount (₹): The fixed amount you plan to invest every month.
Expected Annual Return (%): The average annual return you anticipate from your mutual fund investment. While past performance is not indicative of future results, you can use historical averages or conservative estimates (e.g., 10-15% for equity funds over the long term).
Investment Period (Years): The total duration for which you plan to continue your SIP.

The calculator will then provide you with the total amount you would have invested, the estimated returns earned, and the total estimated value of your investment at the end of the period.

Example Calculation:

Let's say you invest ₹5,000 per month for 15 years, expecting an annual return of 12%.

Monthly SIP Amount: ₹5,000
Expected Annual Return: 12%
Investment Period: 15 Years

Using the calculator, you would find:

Total Invested Amount: ₹9,00,000 (₹5,000 x 12 months x 15 years)
Estimated Returns: Approximately ₹16,22,890
Total Value of Investment: Approximately ₹25,22,890

This example clearly demonstrates the power of compounding and consistent investing through SIPs.

.sip-calculator-container { font-family: 'Arial', sans-serif; background-color: #f9f9f9; padding: 25px; border-radius: 10px; box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1); max-width: 700px; margin: 20px auto; border: 1px solid #e0e0e0; } .sip-calculator-container h2 { color: #2c3e50; text-align: center; margin-bottom: 20px; font-size: 28px; } .sip-calculator-container h3 { color: #34495e; margin-top: 30px; margin-bottom: 15px; font-size: 22px; } .sip-calculator-container p { line-height: 1.6; color: #555; margin-bottom: 10px; } .calculator-form .form-group { margin-bottom: 18px; } .calculator-form label { display: block; margin-bottom: 8px; color: #333; font-weight: bold; font-size: 16px; } .calculator-form input[type="number"] { width: calc(100% – 20px); padding: 12px; border: 1px solid #ccc; border-radius: 6px; font-size: 16px; box-sizing: border-box; transition: border-color 0.3s ease; } .calculator-form input[type="number"]:focus { border-color: #007bff; outline: none; box-shadow: 0 0 5px rgba(0, 123, 255, 0.2); } .calculator-form button { display: block; width: 100%; padding: 14px; background-color: #28a745; color: white; border: none; border-radius: 6px; font-size: 18px; cursor: pointer; transition: background-color 0.3s ease, transform 0.2s ease; margin-top: 25px; } .calculator-form button:hover { background-color: #218838; transform: translateY(-2px); } .calculator-form button:active { transform: translateY(0); } .results-section { background-color: #e9f7ef; border: 1px solid #d4edda; border-radius: 8px; padding: 20px; margin-top: 30px; text-align: left; } .results-section h3 { color: #155724; margin-top: 0; margin-bottom: 15px; font-size: 20px; border-bottom: 1px solid #c3e6cb; padding-bottom: 10px; } .results-section p { font-size: 17px; color: #155724; margin-bottom: 10px; } .results-section span { font-weight: bold; color: #007bff; } .article-content { margin-top: 40px; border-top: 1px solid #eee; padding-top: 30px; } .article-content ul, .article-content ol { margin-left: 20px; margin-bottom: 15px; color: #555; } .article-content li { margin-bottom: 8px; line-height: 1.5; } .article-content strong { color: #333; } function calculateSIP() { var monthlySIPAmount = parseFloat(document.getElementById('monthlySIPAmount').value); var annualReturnRate = parseFloat(document.getElementById('annualReturnRate').value); var investmentPeriodYears = parseFloat(document.getElementById('investmentPeriodYears').value); // Input validation if (isNaN(monthlySIPAmount) || monthlySIPAmount <= 0) { alert('Please enter a valid Monthly SIP Amount.'); return; } if (isNaN(annualReturnRate) || annualReturnRate <= 0) { alert('Please enter a valid Expected Annual Return.'); return; } if (isNaN(investmentPeriodYears) || investmentPeriodYears <= 0) { alert('Please enter a valid Investment Period in Years.'); return; } var monthlyRate = (annualReturnRate / 100) / 12; var totalMonths = investmentPeriodYears * 12; // Future Value of Annuity Due formula (common for SIPs where investment is at start of period) // FV = P * [((1 + r)^n – 1) / r] * (1 + r) var futureValue = monthlySIPAmount * (Math.pow(1 + monthlyRate, totalMonths) – 1) / monthlyRate; futureValue = futureValue * (1 + monthlyRate); // Adjust for annuity due var totalInvestedAmount = monthlySIPAmount * totalMonths; var estimatedReturns = futureValue – totalInvestedAmount; document.getElementById('totalInvestedAmount').innerText = '₹' + totalInvestedAmount.toLocaleString('en-IN', { maximumFractionDigits: 0 }); document.getElementById('estimatedReturns').innerText = '₹' + estimatedReturns.toLocaleString('en-IN', { maximumFractionDigits: 0 }); document.getElementById('totalValue').innerText = '₹' + futureValue.toLocaleString('en-IN', { maximumFractionDigits: 0 }); } // Run calculation on page load with default values window.onload = calculateSIP;