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by SEBI Registered Research Analysts

SIP Calculator

Estimate the wealth you can create with regular monthly investments, expected returns and long-term compounding scenarios with a cleaner research-backed planning experience.

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Systematic investment planning
SIP Calculator

Interactive projection, cleaner assumptions and a more guided planning flow.

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SIP Parameters

Adjust sliders or type values directly

Monthly Investment
₹500₹2 L
Expected Annual Return
1%30%
Investment Period (Years)
1 Yr40 Yr
Total Instalments
—
Absolute Returns
—
XIRR (Approx.)
—
Wealth Multiple
—
Portfolio Growth Over Time

What is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals. It harnesses the power of compounding and rupee-cost averaging to build wealth over time.

Formula used:

M = P × {[(1 + i)n − 1] / i} × (1 + i)

Where P = monthly investment, i = monthly rate (annual ÷ 12), n = total months.

Maturity Value

₹0
investing ₹5,000/mo for 10 years at 12%
Amount Invested
₹0
Wealth Gained
₹0
Total Value
₹0
Year-by-Year Growth
YearInvestedValue

Frequently Asked Questions

Common questions about SIP investments and returns

SIP maturity is calculated using: M = P × {[(1 + i)n − 1] / i} × (1 + i), where P is the monthly investment, i is the monthly interest rate (annual rate ÷ 12), and n is the total number of months. This is the Future Value of an annuity due formula.
Most mutual funds allow SIPs starting from ₹500 per month. Some funds accept as low as ₹100 per month. There is no upper limit on SIP investments. You can also choose weekly, fortnightly or quarterly SIP frequencies depending on your fund house.
SIP involves investing a fixed amount at regular intervals, averaging out purchase cost through rupee-cost averaging and reducing market-timing risk. A lump sum invests the entire corpus at once — it can deliver higher returns in a rising market but carries greater timing risk if invested at a market peak.
No. SIP returns are market-linked and depend on the underlying mutual fund's performance. This calculator uses an assumed rate of return and shows an estimate, not a guarantee. Equity SIPs are subject to market risk and the actual return can be higher or lower than projected.
XIRR (Extended Internal Rate of Return) is the annualised return on a SIP, accounting for the exact timing of each cash flow. It is more accurate than simple CAGR for SIPs because different instalments are invested for different durations. A higher XIRR means better fund performance relative to each instalment's holding period.
Disclaimer

This calculator is provided by Kalkine Consultancy India Private Limited for educational and illustrative purposes only. The output is based solely on assumptions entered by the user and should not be construed as investment advice, research recommendation, product recommendation, offer, solicitation, return assurance or guarantee. Actual outcomes may vary due to market conditions, interest-rate changes, fees, taxes, product terms and investor-specific circumstances. Kalkine is registered with SEBI as a Research Analyst; SEBI registration does not guarantee performance or provide any assurance of returns to investors. Kalkine Consultancy India Private Limited is registered with SEBI as a Research Analyst. SEBI registration does not imply approval of this calculator, guarantee of accuracy, or assurance of returns.

SEBI Registered · INH000017727

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