SIP Calculator
Calculate SIP returns with compound interest for your mutual fund investments.
SIP Calculator visual insights
Future value
₹50.46 L
Growth
₹32.46 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About SIP Calculator
SIP Calculator helps you estimate investment growth, required contribution, annualised return, and future corpus using India-focused assumptions and INR formatting. Calculate SIP returns with compound interest for your mutual fund investments.
This tool is useful for Indian investors planning SIPs, mutual funds, deposits, inflation-adjusted goals, and portfolio returns. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
What is SIP and how does it work?
SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. Returns are compounded over time and rupee-cost averaging smooths out market volatility.
How much SIP do I need to accumulate ₹1 crore in 15 years?
Assuming 12% annualised returns, you need roughly ₹20,000/month for 15 years to reach ₹1 crore.
Is SIP safe?
SIPs in equity mutual funds carry market risk. Debt fund SIPs are lower risk. Match the fund type to your time horizon and risk profile.
What is the minimum SIP amount?
Many mutual funds allow SIPs starting from ₹100/month. Most popular equity funds start at ₹500/month.
Related Calculators
Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026