SIP Calculator — Estimate Mutual Fund Returns
Plan your wealth with monthly SIP investments. See how small, regular contributions grow into a large corpus over time.
Investment Details
₹23.23 L
Maturity Amount
₹12.00 L
Total Invested
₹11.23 L
Wealth Gained
93.6% returns
Investment Summary
Growth Over Time
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What is a SIP?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Instead of investing a lump sum, you invest small amounts consistently over time. SIP leverages the power of rupee cost averaging: you buy more units when the market is low and fewer when it is high, lowering your average cost per unit over time. Combined with compound interest, even modest monthly investments can grow into substantial wealth over 10–20 years. SIPs are available for equity, debt, hybrid, and index mutual funds — making them suitable for every type of investor and financial goal.
How to Use the RupeeMath SIP Calculator
- 1.Monthly Investment: Enter the amount you plan to invest each month (e.g., ₹5,000). Use the slider or type directly.
- 2.Expected Return Rate: Enter the annual return you expect from the mutual fund (e.g., 12% for equity funds). This is an estimate — actual returns vary.
- 3.Tenure: Select the number of years you plan to invest (e.g., 10 years). Longer tenure = more compounding = higher returns.
- 4.Read the results: The calculator instantly shows your Maturity Amount, Total Invested, and Wealth Gained — along with a year-by-year growth chart.
- 5.Experiment: Try different amounts and tenures to set your savings goals. Even increasing your SIP by ₹500/month can add lakhs to your final corpus.
SIP Formula Explained
The SIP maturity amount is calculated using the future value of an annuity formula:
- M — Maturity amount (total corpus at the end)
- P — Monthly SIP amount (e.g., ₹5,000)
- r — Monthly interest rate = Annual rate ÷ 12 ÷ 100 (e.g., 12% → 0.01)
- n — Total number of months (e.g., 10 years → 120 months)
Example: ₹5,000/month at 12% for 10 years → Maturity ≈ ₹11.6 lakh on an investment of ₹6 lakh. The remaining ₹5.6 lakh is pure compound growth.