All Calculators
SIP Calculator Online Free
Estimate the future value of monthly SIP investments with compounding.
SIP Calculator
See how your monthly investments grow over time
Future Value
$9,991,479
Total Invested
$2,400,000
Total Gains
$7,591,479
Growth Over Time
Portfolio
Invested
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into mutual funds or other instruments. This calculator shows how compounding grows your wealth over time — even small monthly amounts can build a significant corpus. SIPs benefit from rupee cost averaging, reducing the impact of market volatility on your overall investment.
Frequently Asked Questions
What is a SIP and how does it work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals (usually monthly) into mutual funds or other instruments. Each installment buys units at the current market price, and over time you benefit from rupee cost averaging and the power of compounding.
How much can I earn with a monthly SIP?
The final corpus depends on your monthly amount, return rate, and time horizon. For example, a modest monthly SIP at 12% annual return for 20 years can grow to roughly 4× your total invested amount, thanks to the power of compounding.
Is SIP better than lumpsum investment?
SIP reduces the risk of investing at a market peak by spreading purchases over time (rupee cost averaging). Lumpsum investing can outperform if markets are undervalued. Many investors combine both — a lumpsum for surplus capital and SIP for regular savings.