Financial Calculators
SIP Calculator
Calculate returns on your monthly SIP investment with compounding over your chosen tenure.
This tool provides an estimate or a starting draft. Check the assumptions and current official requirements before relying on the result. It does not replace qualified financial, legal or medical advice.
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A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Rather than timing the market with a lump sum, SIP enables rupee-cost averaging: you buy more units when the NAV is low and fewer when it's high. Over long periods, this smooths out market volatility and builds significant wealth through compounding.
The SIP calculator uses the future value of an annuity formula: FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r), where P is the monthly investment, r is the monthly return rate, and n is the number of months. The result is your estimated maturity value. For example, investing ₹10,000/month for 15 years at a 12% annual return produces a corpus of approximately ₹50 lakh — from only ₹18 lakh invested. The remaining ₹32 lakh is the power of compounding.
The expected return rate is the most important variable. Equity mutual funds in India have historically delivered 12–15% CAGR over 10+ year periods, though this is not guaranteed. Debt funds typically return 6–8%. Hybrid funds fall in between. Use 10–12% as a conservative estimate for equity SIPs, and adjust the slider to see how your outcome changes. For financial goal planning, always build in a margin of safety by using 10% rather than the historical average of 14%.
How to use this utility
- Use the controls below—paste text, pick files, or adjust options as described on the tool.
- Click the main action button. Processing runs in your browser on this device.
- Download or copy the output. Check the processing note for any external services used by this operation.
Common use cases
- A 28-year-old wants to build a ₹1 crore retirement corpus by age 55 and needs to know the required monthly SIP amount.
- Parents planning to fund their child's college education in 15 years want to estimate the required monthly SIP.
- An investor comparing two SIP amounts (₹5,000 vs ₹10,000/month) to see the impact of starting early vs investing more.
- Someone who recently got a salary hike wants to see how increasing their SIP by ₹2,000/month affects their 10-year maturity value.
- A professional planning to retire early wants to check whether a 20-year SIP at current salary can generate a corpus of ₹5 crore.
Tips for best results
- 1Start early. A 25-year-old investing ₹5,000/month until age 60 (35 years) accumulates 3× more than a 35-year-old investing ₹10,000/month until 60 (25 years) at the same 12% return.
- 2Step up your SIP by 10–15% annually in sync with salary increments. A step-up SIP dramatically increases the final corpus without straining your current budget.
- 3Use this calculator to work backwards: enter your target maturity amount to determine what monthly SIP is needed at an expected return.
- 4SIP returns are not guaranteed. Use 10% for conservative planning and 12% for moderate planning. Do not use historical peak returns of 18%+ for future projections.
- 5Invest in Direct Plans of mutual funds (via platforms like Zerodha Coin or MF Central) instead of Regular Plans. The 0.5–1% lower expense ratio compounds significantly over 15+ years.
Frequently asked questions
- Is Konnect2Tools free?
- Yes. These in-browser tools are completely free to use with no account required for core functionality.
- Do my files leave my device?
- Browser document operations run locally, except where the operation uses an external service, such as AI summarisation. Read the processing note before using sensitive inputs.
- Is the SIP Calculator tool safe to use?
- Local operations process document content on your device. External-service operations may send inputs as described in the processing note. Keep originals and inspect the output.
- Is SIP the same as mutual fund investment?
- SIP is a mode of investment (regular, periodic) whereas a mutual fund is the vehicle. You can invest in a mutual fund via SIP (fixed monthly amount) or as a lump sum. SIP is recommended for salaried investors to benefit from rupee-cost averaging.
- Can I pause or stop a SIP?
- Yes. Most AMCs allow you to pause a SIP for 1–3 months or stop it entirely at any time. Stopping a SIP does not redeem your existing units — they remain invested until you explicitly redeem.
- Is SIP income taxable in India?
- Gains from equity mutual fund SIPs held longer than 1 year are taxed as Long Term Capital Gains (LTCG) at 10% above ₹1.25 lakh. Gains held under 1 year are Short Term Capital Gains (STCG) at 20%. Debt fund gains are taxed as per your income slab.
- What is the minimum SIP amount?
- Most AMCs allow SIPs starting at ₹100–500/month. Some index funds and ETFs have even lower minimums. There is no maximum limit — you can invest any amount.
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