What is a SIP calculator and how does it help?

A SIP calculator is a simple tool that helps you estimate the future value of your monthly investments in mutual funds. You enter your monthly SIP amount, expected annual return and time period. The calculator then shows you how much you might have at the end of the tenure, along with total invested amount and estimated gains.

Is this SIP calculator only for Indian investments?

Yes. This SIP calculator is designed primarily for Indian investors and uses INR (₹) as the default currency. It is meant for educational estimation and planning and does not replace professional financial advice.

Are the SIP calculator results guaranteed?

No. The SIP calculator uses the return rate you enter to estimate future values using a compound interest formula. Mutual fund returns in the real world can be higher or lower than the assumed rate. Always treat the numbers as educational estimates and not guaranteed returns.

Can I include a lump sum along with my monthly SIP?

Yes. The WordMitr SIP calculator allows you to add an optional initial lump sum investment along with your fixed monthly SIP amount. This helps you see how a one-time investment plus monthly contributions can grow together over time.

SIP Calculator (India) Estimate Your Monthly SIP Returns in Minutes

Enter your monthly investment, expected annual return and time period to see how your SIP in Indian mutual funds could grow. Get a quick snapshot of your total invested amount, estimated gains and final value. This calculator is for educational planning and uses INR (₹).

See potential SIP corpus for different tenures.

Understand the impact of compounding over time.

100% free, browser-based tool by WordMitr.

SIP / Investment Return Calculator

Fill in the details below to estimate how much your SIP could be worth at the end of your chosen period. You can adjust the number of years or return rate to see different scenarios.

Monthly Investment (₹)

The fixed amount you plan to invest every month through SIP.

Expected Annual Return (%)

This is just an assumption. Actual mutual fund returns may be higher or lower.

Time Period (Years)

How long you plan to continue the SIP. Longer periods benefit more from compounding.

Initial Lump Sum (Optional, ₹)

One-time amount you invest at the start, along with monthly SIP.

How this SIP calculator helps you

This SIP calculator gives you a clear, easy-to-read snapshot of how disciplined monthly investing can grow over time. Instead of guessing, you can input different amounts, tenures and return assumptions to see how your future corpus might change.

• Compare scenarios like 5 vs 10 vs 15 years of SIP investing.
• Understand how much of your final corpus is your own contribution vs market growth.
• Use it as a planning tool before speaking to your financial advisor.

More free tools by WordMitr

Disclaimer: This SIP calculator is for informational and educational purposes only. It does not account for taxes, fund expenses, market volatility or changes in interest rates. Nothing on this page should be treated as investment, tax or legal advice.

SIP Investing Guide: Wealth Creation 101

The Magic of Rupee Cost Averaging

One of the biggest advantages of a Systematic Investment Plan (SIP) is "Rupee Cost Averaging". When the market is high, your fixed SIP amount buys fewer units. When the market crashes, the same amount buys more units. Over time, this averages out your cost of buying, protecting you from the risk of investing a lump sum at a market peak.

Compounding: The Eighth Wonder

Albert Einstein reportedly called compound interest the "eighth wonder of the world".
In a SIP, you earn returns not just on your principal, but also on the returns generated by your principal. For example, a ₹5,000 monthly SIP for 10 years (at 12%) gives a corpus of ~₹11.6 Lakhs. But if you extend it to 20 years, it doesn't just double—it grows to ~₹50 Lakhs! The last few years of a long-term SIP generate the most wealth.

Equity vs. Debt Mutual Funds

Equity Funds: Invest in stock markets. High risk, high potential return (10-15% long term). Best for goals > 5 years away.
Debt Funds: Invest in bonds and government securities. Lower risk, stable returns (6-8%). Good for short-term goals (1-3 years).

Step-Up SIP: Supercharge Your Corpus

A "Step-Up SIP" strategy involves increasing your SIP amount every year by 10% (or in line with your salary hike).
Even a small 10% annual increase in your contribution can nearly double your final corpus over a 20-year period compared to a flat SIP.