SIP Calculator Pro

A premium SIP calculator with live updates, decimal returns, quick presets, goal projection, invested-vs-value chart, doughnut breakup and step-up comparison.

Choose your preferred currency for display. Calculation logic remains the same.
Quick presets help users test scenarios faster.
You can type values like 8.25, 10.5, 12.75 and 14.25
Shows how long your chosen SIP may take to reach the selected corpus.
Features included in this calculator:
  • Live update: results change instantly when values change.
  • Dual-line chart: total invested and estimated value together.
  • Doughnut chart: invested amount vs estimated gain.
  • Goal projection: estimated time to reach your target corpus.
  • Normal vs step-up comparison: compare both outcomes directly.

Total Invested

₹0

Estimated Value

₹0

Estimated Gain

₹0

Return Multiple

0x

Goal Projection

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Choose inputs to estimate when your corpus goal may be reached.

Normal SIP Outcome

₹0
Without annual SIP increase.

Step-Up SIP Outcome

₹0
With selected annual SIP increase.

Invested Amount vs Estimated Value

Invested Amount vs Wealth Gain

MetricValue
Monthly SIP₹0
Expected Annual Return0%
Investment Duration0 years
Annual SIP Increase0%
Selected Goal₹0
This calculator gives an estimate based on fixed return assumptions. Actual returns can vary and are not guaranteed.

What is SIP?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. It allows investors to build wealth gradually over time by benefiting from compounding and disciplined investing. SIP is suitable for both beginners and experienced investors.

How SIP Calculator Works?

The SIP calculator estimates the future value of your investment based on three inputs: monthly investment amount, expected annual return, and investment duration. It uses the compound interest formula to calculate how your money can grow over time.

Benefits of SIP Investment

Start investing with a small amount
The power of compounding helps wealth creation
Disciplined and regular investment habit
Flexible investment options
Reduces risk through rupee cost averaging

SIP Calculation Example

If you invest ₹5,000 per month for 20 years at an expected return of 12% per annum, your total investment will be ₹12 lakh, and it can grow to approximately ₹50 lakh due to compounding.

SIP vs Lumpsum Investment

SIP involves investing a fixed amount regularly, while a lump-sum investment means investing a large amount at once. SIP is better for reducing market risk and maintaining discipline, whereas a lump-sum investment is suitable when you have a large amount and market conditions are favorable.

Frequently Asked Questions (FAQ)

Q: What is SIP?
A: SIP is a method of investing a fixed amount regularly in mutual funds.

Q: Is SIP safe?
A: SIP depends on market performance but is considered suitable for long-term investing.

Q: Can I stop SIP anytime?
A: Yes, SIP is flexible and can be stopped or modified anytime.

Q: What is the minimum SIP amount?
A: Most SIPs start from ₹500 per month.

Try our other financial tools:
👉 EMI Calculator
👉 Lumpsum Calculator

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