SIP Calculator India
Compare monthly mutual fund SIP projections in Indian Rupees. Two scenarios load by default so you see a side-by-side example; add or remove columns (up to four) to vary monthly amount, expected return, or tenure — like our home loan EMI comparison. We use an effective monthly rate from your annual assumption (not a naive annual ÷ 12), and assume instalments at the start of each month. Free, no sign-up; copy a shareable link or download a PDF.
Why compare scenarios?
Small changes in monthly SIP, expected return, or years invested change the final corpus by lakhs. Add scenarios to see how stepping up your SIP, staying invested longer, or using a different return assumption affects maturity side by side.
Saving for a home
Use SIPs to build a down payment or buffer for stamp duty and registration. Pair this tool with our home loan EMI calculator to connect investment growth with borrowing costs.
Limitations
Projected returns only. We do not model expense ratio, exit load, or tax. FindCircleRate does not distribute mutual funds or provide personalised investment advice.
What is a SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount regularly (often monthly) into mutual funds or similar instruments. It is not the same as “mutual fund” — the fund is the basket of securities; SIP is how you contribute.
A SIP calculator helps you visualise wealth accumulation under an assumed growth rate. Actual NAV movement, fund category, fund manager decisions, and costs all affect realised returns.
How SIP calculators work
Let P be the monthly investment, n the number of months, and i the effective monthly return from your stated annual return: i = (1 + r)^(1/12) − 1.
For instalments at the start of each month: M = P × (((1 + i)^n − 1) / i) × (1 + i). Each scenario uses its own P, tenure (for n), and annual return (to derive i).
Frequently Asked Questions
A SIP calculator estimates how much your regular monthly investments in mutual funds (or similar assets) could grow to over time, given an assumed annual return and tenure. SIP means Systematic Investment Plan — a disciplined way to invest a fixed amount periodically; it is not the same thing as “mutual fund” itself, which is the product or scheme you invest in.
We convert your annual return to an effective monthly rate using i = (1 + r)^(1/12) − 1, where r is the annual return as a decimal. Simply dividing the annual rate by 12 would overstate compounding. This matches how many Indian SIP calculators quote maturity amounts.
We assume each instalment is invested at the start of the month and then compounds for that month (annuity due). That is why the standard formula includes an extra (1 + i) factor compared with end-of-month SIPs. Different apps may use slightly different conventions; always treat results as estimates.
With P = monthly investment, n = number of months, and i = effective monthly return: M = P × (((1 + i)^n − 1) / i) × (1 + i). Each scenario column uses this formula with its own P, annual return (to derive i), and n from the tenure you choose.
Yes. Two scenarios load by default so you can compare immediately. Use Add scenario for more columns (up to four) or Remove to drop a column — similar to how our home loan calculator compares EMI scenarios.
No. Mutual fund NAVs move with markets. The rate you enter is only an assumption. Actual results depend on fund performance, expense ratio, exit load, taxes, and timing. This tool does not recommend any scheme and is not investment advice.
No. It uses your gross return assumption only. Expense ratio, exit load, securities transaction tax, and capital gains tax can reduce what you keep in hand. Use conservative return assumptions or consult a qualified advisor for planning.
Many buyers build a down payment or closing-cost buffer using monthly SIPs. You can estimate your investment corpus here, then use our home loan EMI calculator to see how loan size, tenure, and interest affect monthly outgo and total interest.
Yes. It is free to use with no sign-up. You can copy a shareable link with your inputs and download a PDF summary.