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SIP Calculator

A SIP Calculator helps you estimate how your mutual fund investments done using Systematic Investment Plan (SIP) method..Read More

Calculate your SIP returns:


SIP Investment

₹ 100
₹ 5,00,000

Expected Return Rate (p.a)

1%
30%

Time Period

1 yr
30 yrs

Total Investment

₹ 18,00,000

Returns

₹ 32,45,760



Returns
Total Investment

What is a SIP Calculator?

A SIP Calculator is a simple and quick tool to help investors calculate the potential returns they can get from their mutual fund SIPs. A recent trend shows the increasing popularity of SIPs among millennials and Gen Zs, both as they are much more convenient and allow you to build long-term wealth gradually through disciplined monthly contributions.

Dhan's systematic investment plan calculator, also called the mutual fund SIP calculator, lets you know the value of your investments based on three things, namely amount, tenure, and expected rate of return. While this SIP plan calculator provides a quick estimate, the actual returns of a mutual fund scheme might vary depending on various factors. The SIP Calculator doesn’t take into consideration the expense ratio or the exit load. Still, it can guide you with a rough projection of your corpus and help you compare it with a lump-sum investment.


What is SIP?

Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly into mutual funds or even stocks, helping you grow your money over time. Imagine that you are saving a fixed amount every month by putting X amount of money in a box. It is surely a disciplined way to save money, but that money just sits there and doesn’t actually grow. Hence, you invest money through weekly, quarterly, or monthly Systematic Investment Plans (SIPs).


Why do you need SIP?

The best part of SIPs is their convenience. You don’t have to worry about the timing of the market or remembering to invest. Once set up, your contributions happen automatically. This builds consistency, helps you benefit from rupee cost averaging, and grows your money through the power of compounding.

SIPs are flexible, so you can start small and increase your amount as your income rises. If you want to calculate how much your investments can grow with an increase in SIPs amount, try using a Step up SIP calculator online to estimate the potential returns.


SIP Calculator Formula

To calculate the amount you will receive upon maturity of an SIP, also known as the future value, the following formula is used -

M = P × {(1 + r)^n - 1} / {r} × (1 + r)

In this formula -

  • M is the future value of the SIP
  • P is the monthly SIP amount
  • n is the total number of installments you made
  • r is the periodic rate of interest

We will help you understand this through an example.

Say Mr. A wants to invest Rs. 5000 per month for 10 years at an annual rate of 12% through SIP investment. Now, in order to calculate how much amount we will receive at the time of maturity (M) we require a monthly rate of return, which is “r”.

Now read the problem statement carefully: 12% is the annual rate, and we need to calculate the monthly rate. Typically, people divide 12 by 12 and take 1% as the monthly rate, but that’s incorrect. Because we forget to consider that the returns are compounding over time.

You can simply convert the annual returns into monthly returns using this formula -

Monthly Return = {(1 + Annual Return)^1/12} – 1

Here,

r = (1 + 0.12)1/12 −1

= 0.0095 or 0.95%

For this scenario, the monthly return comes out to 0.95% and not 1% using the above formula.

Now, let's plug the values into the formula:

  • P = ₹5,000
  • r ≈ 0.0095
  • n = 120

FV = 5,000 × 118 / 0.0095 × (1 + 0.0095)

After 10 years, Mr. A’s SIP corpus will be around Rs 11.2 lakh. Out of this, he has invested Rs 6 lakh (₹5,000 x 120), and the remaining Rs 5.2 lakh is all compounded.

One key point to remember is that the rate of return on SIP is not fixed and might differ with market conditions.


How to use Dhan’s SIP return calculator?

The SIP calculators at Dhan are designed for you to plan your investments more effectively. Calculating SIP investment return using SIP calculator is quick, easy, and takes a few simple steps:

  • Firstly, add how much amount you plan to invest regularly.
  • Next, choose the number of years you want to stay invested.
  • Lastly, enter the annual return percentage you expect based on your chosen mutual fund.

The calculator shows your estimated maturity amount, total investment, and potential gains after compounding.


Types of SIP Calculator

At Dhan, we provide you with different SIP calculators online for your different goals. We have for you

  • Daily SIP Calculator : Shows you projected returns for a fixed investment once a week. lets you estimate the future value when you invest a small fixed amount every day.
  • Weekly SIP Calculator : Shows you projected returns for a fixed investment once a week.
  • Step-up SIP Calculator: Shows how your corpus grows when you increase the SIP amount periodically.
  • SIP Calculator with Inflation: Adjusts estimated returns for inflation, enabling you to see the real or the inflation-adjusted value of your corpus.
  • SIP Goal Calculator: Provides you with the SIP amount you need to invest regularly to reach a target goal at an assumed return.
  • SWP Calculator: Calculates how long your corpus will last or what amount you can withdraw when you set a systematic withdrawal plan.
  • Lumpsum Calculator: Lets you estimate the future value of your one-time investment over a chosen period of time.

Benefits of using an SIP calculator

Dhan offers the best SIP calculator with the following benefits -

  • You can plan your investments easily by selecting the amount, tenure, and expected rate of return.
  • You can get an instant idea of the total value of your investments at the end of your SIP tenure.
  • Quicker estimates and projections will also let you save time and avoid manual calculations.
  • Our systematic investment plan calculator ensures that your investment portfolio stays in line with your future requirements and financial goals.

Types of SIPs In India

Well, there are different types of SIPs and not all of them work the same way. You can always choose which one is more suitable for you based on your flexibility and your goal. Here’s a quick look at how each one works:


1. Regular SIP

As the name suggests, this SIP allows you to invest a fixed amount at regular intervals (weekly, quarterly, or monthly SIPs). The money will be automatically transferred from your bank to the mutual fund you have invested in.


2. Flexible SIP

This type of SIP lets you change the amount you invest based on the market conditions or even your personal finances. You can invest more when markets are down or reduce the amount when funds are tight. It’s also known as Flexi-SIP.


3. Perpetual SIP

While most SIPs run for a fixed duration, a perpetual SIP doesn’t have an end date. You just have to specify the start date, and the SIP continues until you decide to stop it. This is a great option for investors who want their money to keep compounding over time.


4. Step-up SIP

Step-up SIP, or the Top-up SIP, allows you to automatically increase your SIP amount at regular intervals, say every year. It is ideal for salaried inventors who expect yearly bonuses or increments and wish their investments to grow in line with their income.


5. Trigger SIP

Using a trigger SIP, you can set specific conditions like a market dip, index level, or NAV to start, stop, or switch your investments. If you want to follow market trends and also automate your decisions, then this can be a great choice.


6. Multi SIP

This will allow you to invest in multiple mutual fund schemes within a single SIP. Assume you invest Rs 30,000 monthly, you can split this across five different funds of Rs 6000 each. This way, you can diversify your investments without managing multiple SIPs separately.


Apart from this, SIPs can also differ based on where your money is parked, such as equity funds, debt funds, balanced funds, overnight funds, or money market funds.


SIP vs. Lumpsum vs. Step-Up SIP

Now that we know what SIP is, let’s understand how it actually differs from Lump-sum and Step-Up SIPs.


SIPStep-Up SIP Lumpsum
Invest a fixed amount regularly (weekly, quarterly, monthly, etc.)Invest regularly and automatically increase the amount at set intervals as per the financial bandwidth.Invest the entire amount at once.
Can start, pause, or stop anytimeCan increase SIP automatically or manuallyOne-time investment, hence no flexibility
Best for beginners or those who want disciplined, gradual investingSalaried investors who get annual bonuses and increments, and would wish to increase the investment amountInvestors with a large sum ready to invest
Can expect a steady, long-term growth via compounding and rupee cost averagingHigher corpus potential due to periodic amount increasesCan be high or low, depending on the market

If you are planning to start an SIP and are confused about whether to go with a Step-Up SIP, a lump sum investment, or a Systematic Investment Plan, then let us break this down for you.

Below are three tables, each showing how an investor’s corpus could grow over a 10-year horizon, assuming an annual growth rate of 15% CAGR.


SIP VS Lumpsum vs. Step-Up Example

Here’s a quick comparison of how your money grows in an SIP, a lump sum, and a step-up SIP.


Monthly SIP of ₹5,000 at 15% CAGR

YearAmount
Invested		Estimated
Returns		Maturity
Value
1st Year₹ 60,000₹ 5,106₹ 65,106
2nd Year₹ 60,000₹ 20,677₹ 1,40,677
3rd Year₹ 60,000₹ 48,397₹ 2,28,397
4th Year₹ 60,000₹ 90,219₹ 3,30,219
5th Year₹ 60,000₹ 1,48,408₹ 4,48,408
6th Year₹ 60,000₹ 2,25,598₹ 5,85,598
7th Year₹ 60,000₹ 3,24,841₹ 7,44,841
8th Year₹ 60,000₹ 4,49,683₹ 9,29,683
9th Year₹ 60,000₹ 6,04,239₹ 11,44,239
10th Year₹ 60,000₹ 7,93,286₹ 13,93,286

Lumpsum Investment of ₹ 1,00,000 at 15% CAGR

YearAmount
Invested		Estimated
Returns		Maturity
Value
1st Year₹ 1,00,000₹ 15,000₹ 115,000
2nd Year-₹ 32,250₹ 1,32,250
3rd Year-₹ 52,088₹ 1,52,088
4th Year-₹ 74,901₹ 1,74,901
5th Year-₹ 1,01,136₹ 2,01,136
6th Year-₹ 1,31,306₹ 2,31,306
7th Year-₹ 1,66,002₹ 2,66,002
8th Year-₹ 2,66,002₹ 3,05,902
9th Year-₹ 2,51,788₹ 3,51,788
10th Year-₹ 3,04,556₹ 4,04,556

Monthly SIP of ₹5,000 at 15% CAGR with annual Step-Up at 10%.

YearAmount
Invested		Estimated
Returns		Maturity
Value
1st Year₹ 60,000₹ 5,106₹ 65,106
2nd Year₹ 66,000₹ 21,188₹ 1,47,188
3rd Year₹ 72,600₹ 51,207₹ 2,49,807
4th Year₹ 79,860₹ 97,951₹ 3,76,411
5th Year₹ 87,846₹ 1,65,936₹ 5,32,242
6th Year₹ 96,631₹ 2,59,718₹ 7,22,655
7th Year₹ 1,06,294₹ 3,84,933₹ 9,54,163
8th Year₹ 1,16,923₹ 5,48,269₹ 12,34,422
9th Year₹ 1,28,615₹ 7,57,652₹ 15,72,421
10th Year₹ 1,41,477₹ 10,22,464₹ 19,78,709

Well, all three approaches have their advantages, but we can conclude that regular SIPs are best suited for consistent investors, lump sum is suitable for investors who have surplus capital, and Step-Up SIP suits investors who have long-term targets.


Investment TypeInvestment TermTotal InvestmentEstimated ReturnsMaturity Value
SIP (₹5,000/month at 15% CAGR)10 Years₹6,00,000₹7,93,286₹13,93,286
Lump Sum (₹1,00,000 at 15% CAGR)10 Years₹1,00,000₹3,04,556₹4,04,556
Step-Up SIP (Start ₹5,000, 10%
annual increase at 15% CAGR)		10 Years₹8,15,000₹10,22,464₹ 19,78,709

Please note that the above returns are approximate estimates. Actual returns might differ based on the selected category, the scheme chosen and current market conditions.


SIP Investment Mistakes to Avoid

  • Make sure you keep increasing your amount over the year to enhance corpus growth.
  • A lot of people break their SIPs, especially during market downturns. This actually weakens the benefits of compounding and rupee-cost averaging.
  • A common mistake that people make is investing in trending or high-performing schemes without checking if they suit them or not. This often leads to poor results.
  • Rebalancing your portfolio is very important. Failing to track and adjust your SIPs can leave you misaligned with your risk profile.
  • Lastly, expecting quick, high returns can cause frustration and wrong investment decisions.

Frequently Asked Questions

There’s no fixed limit: you can invest as much as you are comfortable with. However, the minimum amount you have to start with is Rs 500 per month.
Both approaches have their own place. SIPs are best suited for consistent investors, lump sum is suitable for investors who have surplus capital.
The SIP calculator is a quick and easy tool to use. All you have to do is ;

  • Select an amount you choose to invest

  • Select the investment tenure

  • Select the frequency of investment

  • Set the expected rate of return after compounding

Yes, most of the mutual fund companies also provide the option of pausing or increasing your SIP investments for a specified period.
The minimum SIP usually starts with Rs. 500.
Missing one SIP doesn’t make a difference. If you don’t have sufficient money in a month, you can skip the payment. No penalties for that.






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