SIP Calculator — Free Online

Why use SIP Calculator?

Systematic Investment Plans (SIPs) are the easiest way to build long-term wealth with mutual funds. This calculator shows the power of compounding — small monthly amounts can grow into surprisingly large corpuses over 10–20 years.

How it works

Enter monthly investment — How much you'll invest every month.
Estimate annual return — Equity funds historically average 10–13% in India; pick a realistic number.
Set the duration — Longer horizons compound dramatically.

Tips & best practices

Start early — even small SIPs for 20+ years beat large lump sums for 10.
Index funds typically charge under 0.2% expense ratio vs 1–2% for active funds.
Increase your SIP by 10% every year (Step-Up SIP) to keep pace with income growth.

Frequently asked questions

Is the return guaranteed?+

No. Mutual funds are market-linked; the calculator uses an assumed average return.

How are SIPs taxed?+

Equity SIPs: 12.5% LTCG above ₹1.25L/year (held >1yr). Debt: as per your slab.

Is SIP better than lump sum?+

SIP averages your buy price and reduces timing risk — better for most retail investors.

Can I stop a SIP anytime?+

Yes. Pause or stop online with no penalty.