SIP Calculator - Calculate Your SIP Returns Instantly
The SIP calculator allows you to estimate the potential growth of your Systematic Investment Plan investment based on your selected time frame.
- Invested Amt
- Wealth Gained
Invest Smart, Invest Regularly With SIP.
| Year | Invested Amount | Wealth Gained | Expected Amount |
|---|---|---|---|
| 2025 | ₹ 30,000 | ₹ 2,023 | ₹ 32,023 |
| 2026 | ₹ 30,000 | ₹ 6,085 | ₹ 68,108 |
| 2027 | ₹ 30,000 | ₹ 10,661 | ₹ 108,769 |
What Is a SIP Calculator?
A SIP Calculator is an easy-to-use online tool that helps estimate the future value of your Systematic Investment Plan (SIP). It works by analyzing key inputs like monthly investment amount, tenure, and expected returns to project potential wealth accumulation. The SIP Investment Calculator is based on two key principles:
- Compounding: Staying invested long-term allows wealth to grow exponentially, as returns generate further earnings over time.
- Rupee Cost Averaging: This investment strategy reduces the impact of market volatility by averaging out purchase costs over time.
For instance, if you invest ₹5,000 monthly for five years with an expected 12% return, a Mutual Fund SIP Calculator estimates your investment could grow to approximately ₹4,12,000, earning ₹1,12,000 over your ₹3,00,000 principal.
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Choose from our diverse range of funds
- Equity.
- Growth.
- 21.39%3Y Return
- 46.03%5Y Return
- -2.98%
- 1Y Return
- Equity.
- Growth.
- 28.97%3Y Return
- 31.23%5Y Return
- 16.48%
- 1Y Return
- Equity.
- Growth.
- 27.66%3Y Return
- 32.50%5Y Return
- -10.00%
- 1Y Return
Frequently Asked Questions
An SIP calculator helps you estimate future returns, plan investments, and compare different scenarios. It saves time by avoiding manual calculations and gives a clear picture of how your money can grow over time.
You can use an SIP calculator for different types of mutual funds, including equity, debt, hybrid, and ELSS funds. It helps you see potential returns based on past performance and expected market growth.
Yes, an online SIP calculator helps you estimate how much your investment could grow based on your monthly investment, duration, and expected returns. However, actual returns may vary due to market ups and downs.
No, an SIP calculator only provides an estimate. Since mutual funds are market-linked, actual returns can be higher or lower than expected. The calculator is useful for planning but not for exact predictions.
To use an SIP calculator, you need to enter your monthly investment amount, the number of years you plan to invest, and the expected return rate. Some calculators also adjust for inflation for better accuracy.
No, SIPs don’t have a fixed interest rate like fixed deposits. Returns depend on the performance of the mutual fund. Equity SIPs can give 10-15% annually, while debt funds generally provide lower returns.
You can start an SIP with as little as ₹100 or ₹500 per month, depending on the mutual fund. There’s no maximum limit, and you can increase your SIP amount anytime to grow your investment faster.
Yes, most mutual funds allow you to change your SIP amount. You can increase it, decrease it, or even stop and restart based on your financial situation and investment goals.
There’s no fixed limit on how long you can invest in SIPs. You can continue for 5, 10, or even 20+ years, depending on your financial goals and how long you want to build wealth.
No, SIP is just a way of investing in mutual funds. Mutual funds are investment products, while SIP helps you invest small amounts regularly instead of a lump sum all at once.
Yes, most mutual funds let you pause or stop your SIP whenever you need to. You can take a break for a few months or stop it completely without any major penalties.
The best mutual fund for SIP depends on your goals. If you want high returns, equity funds are a good choice. If you prefer stability, debt or hybrid funds are better options.
SIP calculators give an estimated return based on assumptions, but real returns can be different due to market fluctuations. They are useful for planning but shouldn’t be taken as a guaranteed result.
Yes, some mutual funds allow skipping SIP payments for a few months without penalties. However, skipping too often might lead to your SIP being canceled, depending on the fund’s rules.
Yes, since SIPs invest in market-linked funds, short-term losses can happen. But if you stay invested for the long term, the risk reduces, and your chances of earning good returns improve.
Disclaimer: The calculator available on the 5paisa website is intended for informational purposes only and is designed to assist you in estimating potential investments. However, it is important to understand that this calculator should not be the sole basis for creating or implementing any investment strategy. View More..