SIP Calculator 2025: Plan Your Mutual Fund Investments Like a Pro
SIPs are now the default way most Indian investors enter equity mutual funds. Instead of guessing the “perfect time” to invest, you simply choose a monthly amount and let the market work for you. A good SIP calculator makes this even easier – it shows you how much your money can grow, how much you are actually investing, and how much of the final value is pure returns.
On this page, you can quickly estimate the maturity value of your SIP, see year-by-year growth and compare simple SIP vs step-up SIP. You can also download your results and use them for goal planning – whether it’s retirement, children’s education, a home down payment, or simply long-term wealth creation.
If you also want to see how a one-time lump sum investment grows, try our Compound Interest Calculator or Investment Calculator. For long-term retirement goals, you can combine this SIP calculator with our Retirement Calculator.
How Our SIP Calculator Works
The SIP calculator uses the standard future value of annuity formula to estimate how your monthly contributions grow over time. You enter four main inputs:
- Monthly SIP amount – how much you invest every month.
- Expected annual return – average yearly return from your chosen funds.
- Investment period (years) – how long you plan to stay invested.
- Annual step-up (optional) – how much you increase your SIP every year.
Behind the scenes, the calculator converts the annual return into a monthly rate, applies it to each monthly contribution and then adds everything up. When you enable step-up SIP, the calculator adjusts your monthly amount every year and recalculates the maturity value accordingly.
• Monthly SIP: ₹10,000
• Tenure: 20 years
• Expected return: 12% p.a.
Total invested: ₹24,00,000
Maturity value (approx): ₹1,00,00,000+
Wealth gained: ₹75,00,000+ in returns alone.
You can change the numbers in the calculator and instantly see how even small tweaks in tenure or return rate impact the final corpus. If you are comparing different asset classes, our Tax Calculator can also help you estimate post-tax returns for different options.
Choosing a Realistic Return Rate
A common mistake is to use very aggressive return assumptions. While equity mutual funds have historically delivered around 11–14% annually over long periods in India, returns are never guaranteed. For long-term equity SIPs (10+ years), many investors assume 10–12% as a practical planning number.
For more conservative goals, such as short-term plans or debt-oriented funds, using a return range of 6–9% is more sensible. You can quickly test multiple scenarios in the calculator and see which combination of SIP amount, tenure and return rate fits your goal.
SIP vs Lump Sum: Which Is Better?
There is no “one size fits all” answer. A lump sum invested at the right time can grow faster if the market does well. But most people don’t receive or hold large amounts of cash all the time. SIPs are easier to manage and fit better with monthly income.
A practical approach is:
- Use SIP for regular surplus from your salary.
- Use lump sum or STP (Systematic Transfer Plan) for bonuses or windfalls.
- Use our Loan Calculator if you plan to mix investments and loans for big goals like buying a house.
How to Use SIP for Real Goals
Think in terms of goals, not just returns:
- Retirement: Estimate your target retirement corpus using the Retirement Calculator, then come back here and adjust your SIP until the maturity value is close to that number.
- Children’s education: Estimate future cost (with inflation), then see what SIP amount you need to reach that number.
- Home down payment: Use a SIP to build 20–30% of property value as down payment while your loan calculators help you understand EMIs later.
Common SIP Mistakes to Avoid
A few small mistakes can seriously reduce your final corpus:
- Stopping SIPs during market falls: Volatile phases are when SIP works best, because you buy more units at lower prices.
- Using very short tenures: SIPs show their real power beyond 7–10 years, not in 1–2 years.
- Not reviewing funds every few years: You don’t need to track daily NAVs, but you should check fund performance every 12–18 months.
- Ignoring inflation: Goals become more expensive over time. Consider adding step-up SIPs to stay ahead of inflation.
Before you finalise your SIP amount, it can also help to check how much of your budget is going into EMIs. Our Debt-to-Income Ratio Calculator can quickly show whether your loan and SIP combination is still in a safe zone.
Start Your SIP Journey Today
You don’t need to be an expert in markets to use SIPs. All you need is clarity on your goal, a realistic return assumption and the discipline to stay invested. Use this SIP calculator as a planning companion – experiment with different amounts, tenures and step-up options until the numbers make sense for your life.
Once you’re comfortable with the plan, set up the SIP with your chosen mutual fund platform, turn on auto-debit and let your money work in the background. Revisit this calculator whenever your income changes, you add a new goal, or you simply want to see how close you are to financial freedom.
For other everyday calculations like percentages and quick math, explore our Percentage Calculator, Average Calculator and Simple Interest Calculator.