Plan your wealth journey with our advanced Systematic Investment Plan calculator to estimate your investment growth over time.
Invested Amount
₹6,00,000
Estimated Returns
₹5,69,012
Total Value
₹11,69,012
The SIP Calculator is an online calculator that would help one estimate the returns of mutual fund investments earned through SIP. In the case of SIP, instead of investing a large amount of money at once, a certain fixed amount of money is periodically invested monthly in a selected mutual fund scheme.
The calculator demonstrates how compounding works. It provides you with an estimate of the amount you may well be able to save over time, considering your monthly amount, the time you intend to invest, and the expected return.
This tool helps both beginning and veteran investors to plan their money. You can easily change different inputs and see various scenarios to find a plan that will suit your goals.
A SIP calculator works using a mathematical formula that incorporates the principles of compound interest. It calculates how your periodic investments grow over time with compounding returns.
Let's understand this with a simple example:
Applying the formula:
M = 5,000 × ({[1 + 0.01]120 – 1} / 0.01) × (1 + 0.01)
Total maturity amount: ₹11,61,695
In this example, your total investment of ₹6,00,000 (₹5,000 × 120 months) grows to approximately ₹11.6 lakhs, with an estimated return of ₹5,61,695.
The SIP calculator demonstrates the power of compounding – often called the eighth wonder of the world. With compounding, your investment returns generate additional returns over time, creating a snowball effect that accelerates your wealth creation.
If you invest ₹5,000 monthly for 30 years instead of 10 years (with the same 12% return), your corpus would grow to approximately ₹1.5 crores – nearly 13 times your investment amount of ₹18 lakhs!
The earlier you start investing, the more time your money has to compound. Starting just 5 years earlier can potentially increase your final corpus by 40-50%.
Investors in mutual funds generally juxtapose two main routes: Systematic Investment Plans and Lumpsum. Each has its merits and works well under different conditions of people and the market.
| Feature | SIP Investment | Lumpsum Investment |
|---|---|---|
| Investment Type | Regular, fixed amount at periodic intervals | One-time large investment |
| Initial Capital Required | Low (Can be initiated with as low as ₹ 500) | High (Generally requires a substantial amount of capital) |
| Timing Risk Low | Low (Benefits from rupee-cost averaging) | High (Performance is greatly dependent on the entry point) |
| Volatility Management | More prepared to deal with volatility in the market | More exposed to market swings |
| Investment Discipline | Encourages regular saving One-time decision | No regular commitment |
| Ideal market conditions | Turbulent or unpredictable markets | During market downturns, or when valuations are at low levels |
| Best For | Salaried individuals with regular income | Investors with windfall gains or large capital. |
Many experts recommend the combination of both:
The SIPs have been a big growth driver for the Indian mutual fund industry of late. Current trends and numbers follow.
While SIP investments are increasing every day, there have been some issues the industry has faced:
In March 2025, the stop rate increased to 128 percent from 122 percent in February, with about 51 lakh accounts stopped or completed. Experts said this is quite normal every time long-term SIPs start after the pandemic gets over and it does not reflect pessimism.
Even with more market moves, SIP cancellations stand lower than earlier, indicating that investors are getting better at staying invested through cycles.
"Monthly SIP inflows may rise to ₹40,000 crore in the next 18-24 months, driven by rising incomes and increased investment awareness among the Indian populace."
A systematic approach to SIP investments can significantly enhance your returns. Here are some proven strategies to maximize the benefits of your SIP investments:
This powerful framework provides a comprehensive approach to successful SIP investing:
This rule illustrates how your wealth creation accelerates over time:
An advanced strategy that bases the amount you invest on the performance of the market:
Spreads SIPs across several schemes for better returns:
Step-up SIPs can dramatically accelerate your wealth creation journey. Consider this comparison:
₹10,000 monthly for 20 years @ 12% p.a.
Final Corpus: ₹99.92 Lakhs
Total Investment: ₹24 Lakhs
Starting with ₹10,000 monthly for 20 years @ 12% p.a.
Final Corpus: ₹2.76 Crores
Total Investment: ₹66.07 Lakhs
A 10% annual step-up can increase your final corpus by approximately 176% compared to a regular SIP!
Our advanced SIP calculator offers several unique advantages that make it stand out from other calculators available online:
Beyond just calculations, Professional Utilities offers comprehensive financial planning support:
Tailored recommendations based on your risk profile and goals
Strategic allocation across asset classes for optimal returns
Strategies to maximize post-tax returns on your investments
Comprehensive solutions for a secure financial future
Most mutual funds allow you to start a SIP with as little as ₹500 per month. However, for better portfolio diversification and meaningful wealth creation, financial advisors typically recommend starting with at least ₹2,000–₹5,000 monthly.
A mutual fund is an investment product, while SIP is a method of investing in mutual funds regularly. SIP lets you invest a fixed amount monthly.
Yes, you can increase/decrease the amount, pause it temporarily, or cancel it. Terms may vary by mutual fund company.
A Step-up SIP increases the investment amount at set intervals. It helps investors grow wealth faster as their income increases.
SIPs are suitable for long-term goals (5+ years). For short-term needs, other financial instruments like debt funds are preferable.
A SIP Calculator estimates returns on mutual fund SIP investments,
while a Sanitary Import Permit (SIP) is required to import animal food products
in India.
Learn more here:
Sanitary Import Permit.
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