Investment Tool

SIP CALCULATOR

Calculate your Systematic Investment Plan returns. Enter monthly amount, expected return rate, and tenure to see your investment growth.

Currency

Initial Lumpsum optional

Monthly Investment

Return Rate (%)

Step-up (%) /yr

Inflation (%) optional

Investment Period

Total Invested

$600,000.00

Lumpsum Growth

$0.00

Maturity Value

$1,120,508.28

Estimated Returns

$520,508.28

Real Maturity (adj.)

$1,120,508.28

Real Returns (adj.)

$520,508.28

Frequently Asked Questions

What is an SIP?

SIP (Systematic Investment Plan) is investing a fixed amount regularly into mutual funds. It builds wealth through rupee-cost averaging and compounding.

How does SIP with lumpsum work?

You can add an initial lumpsum investment alongside your monthly SIP. The lumpsum grows at the same rate as the SIP, compounding from day one. For example, $50,000 lumpsum + $5,000/month for 10 years at 12% creates significantly higher returns than SIP alone.

What are inflation-adjusted returns?

Inflation-adjusted (real) returns show your purchasing power after accounting for inflation. If your investment grows to $1,000,000 in 10 years but inflation averages 6%, the real maturity value is only $558,394 in today's dollars. Enter the expected inflation rate to see both nominal and real returns.

What is a step-up SIP?

A step-up SIP automatically increases your monthly investment by a fixed percentage each year. A 10% step-up means $500/month in year 1, $550 in year 2, $605 in year 3 — helping you invest more as your income grows.

How does the Compare tab work?

The Compare tab lets you evaluate up to 3 investment strategies side by side. Each scenario (A, B, C) has independent monthly amount, lumpsum, return rate, step-up, and tenure. Instantly see which strategy builds the highest corpus.

How does the Goal Planner work?

The Goal Planner reverses the calculation: enter a target amount (e.g., $1,000,000), expected return, and tenure. It calculates the required monthly SIP, including optional step-up.

What is the best tenure for SIP?

Longer tenures (10+ years) maximize compounding. Most advisors recommend 5-7+ years for equity SIPs.

How does the Growth Schedule help?

It shows a year-by-year table of your investment growth: annual investment, cumulative invested, returns, and maturity value — demonstrating the power of compounding.

What return rate should I use?

Equity mutual funds historically average 10-15% annually. Debt funds average 6-9%. Use 10-12% for conservative equity estimates.

Is this SIP calculator free?

Yes, completely free. No sign-up. All calculations run in your browser.

How to Use

Enter Monthly Amount

Type your planned monthly investment. Add an initial lumpsum (optional) for combined growth.

Set Return, Step-up & Inflation

Enter expected return rate, annual step-up (optional), and inflation rate for real returns.

Select Currency

Use the currency dropdown to switch between 16 supported currencies.

Set Investment Period

Enter years and months. Longer periods maximize compounding.

Explore All Tabs

Goal Planner for target-based planning, Compare for strategy comparison, Growth Schedule for year-by-year table.

How to Calculate

SIP + Lumpsum: Total FV = SIP_FV + Lumpsum_FV

SIP Formula: FV = P × ((1 + r)^n − 1) / r × (1 + r)

Lumpsum: FV = L × (1 + r)^n

Real Returns: Real_FV = Nominal_FV / (1 + inflation)^years

Compare: Each scenario uses independent parameters for side-by-side evaluation.

About the SIP Calculator

This comprehensive SIP Calculator helps you plan mutual fund investments with 4 integrated tools:

SIP Calculator: Standard and step-up SIP with optional lumpsum investment and inflation-adjusted returns. See 6 metrics: total invested, lumpsum growth, maturity value, estimated returns, real maturity, and real returns.

Goal Planner: Reverse-calculate the monthly SIP needed to reach a target corpus with optional step-up.

Compare: Evaluate 3 investment strategies side by side with independent parameters.

Growth Schedule: Year-by-year breakdown of investment growth including lumpsum impact.

Uses future value of annuity due with monthly compounding. 16 currencies with locale formatting. Free, no sign-up.

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