SIP Calculator
Systematic Investment Plan future value
Quick Answer — SIP Returns
A monthly SIP of ₹5,000 for 15 years at 12% expected returns grows to approximately ₹25.2 Lakh — with only ₹9 Lakh invested. SIP leverages rupee cost averaging and compound interest for disciplined wealth creation.
Maintained by: Sagar Sahni, Calc Labz | Review: formula checks, worked examples, and periodic updates
Use with care: Finance and tax outputs are planning estimates only and should be checked against current rules.
Need a correction? Contact us with the calculator name and the issue you found.
Formula & Worked Example
The math behind the SIP Calculator
Mathematical Formula
M = P \cdot \frac{(1+i)^n - 1}{i} \cdot (1+i)Step-by-Step Worked Example
Frequently Asked Questions
Common questions about the SIP Calculator
What is a SIP (Systematic Investment Plan)?
What is rupee cost averaging in SIP?
Is SIP better than Lump Sum investment?
What is the minimum SIP amount in India?
Are SIP returns guaranteed?
What is the SIP Calculator?
The SIP Calculator shows you the future value of your Systematic Investment Plan (SIP) in mutual funds. SIP is a disciplined investment method where you invest a fixed amount every month, benefiting from rupee cost averaging and the power of compounding. Our calculator projects your wealth growth over time, helping you plan for retirement, education, or any financial goal.
How to Use the SIP Calculator
- Enter Monthly Investment: Enter your monthly investment in Indian Rupees (₹) in the input field. The calculator will validate your input automatically.
- Enter Expected Return: Enter your expected return (in % p.a.) in the input field. The calculator will validate your input automatically.
- Enter Period: Enter your period (in years) in the input field. The calculator will validate your input automatically.
- View Your Results: The SIP Calculator displays your results instantly in the output panel. You will see the primary result along with a detailed breakdown of secondary outputs. Scroll down for charts, interpretations, and expert advice.
Key Features
- Instant SIP calculations with real-time updates
- No signup, no registration — 100% free forever
- All calculations happen in your browser — zero data sent to servers
- Works offline as a Progressive Web App (PWA)
- Mobile-friendly responsive design
- Verified financial formulas updated for 2026
Why Use Calc Labz SIP Calculator?
The Calc Labz SIP Calculator stands out because it combines accuracy with simplicity. Unlike other online calculators, we provide detailed breakdowns, step-by-step formulas, and actionable advice alongside your results. Our financial calculators are regularly updated to reflect current rates, rules, and standards for India (2026). Whether you are a student, professional, or just need a quick calculation — Calc Labz delivers reliable results instantly.
Key Terms & Glossary
- Principal
- The original amount of money borrowed or invested, before any interest is applied.
- Interest Rate
- The percentage charged on borrowed money or earned on invested money, usually expressed per annum.
- Compound Interest
- Interest calculated on both the initial principal and previously accumulated interest — "interest on interest."
- Amortization
- The process of spreading loan repayment into equal installments over a fixed period.
- Maturity
- The date on which a financial instrument (FD, bond, PPF) reaches its full term and the principal is returned.
- CAGR
- Compound Annual Growth Rate — the smoothed annual rate of return on an investment over a specified period.
Sources & References
Our SIP Calculator uses formulas and guidelines from the following authoritative sources: