Wealth Planning

SIP Mutual Fund Calculator

Calculate potential maturity returns, estimate wealth gains from Systematic Investment Plans (SIP) or Lumpsum mutual fund investments instantly.

Investment Type Mode

Monthly Investment (₹) Monthly Installment

₹

Expected Return Rate (% p.a.) Estimated returns

Time Period (Years) Tenure

Estimated Maturity Value

₹11,61,695.00

Based on regular monthly contributions compounded monthly.

51%

Invested

Invested Amount: 51.6%

Est. Returns: 48.4%

Total Invested Amount

₹6,00,000.00

Estimated Wealth Gains

₹5,61,695.00

Maturity Wealth Value

₹11,61,695.00

Year	Invested So Far (₹)	Wealth Gained (₹)	Maturity Balance (₹)

Power of Compounding in Mutual Funds

How systematic investment grows into a significant financial corpus.

What is a SIP?

A Systematic Investment Plan (SIP) allows you to invest a small fixed sum regularly in a mutual fund scheme. Instead of waiting to accumulate a large amount, SIP inculcates discipline and leverages Rupee Cost Averaging during market cycles.

                    SIP formula:

                    M = P × [ ( (1 + i)^n - 1 ) / i ] × (1 + i)

                    • P = Monthly contribution

                    • i = Monthly return rate (annual returns / 12 / 100)

                    • n = Total number of monthly installments

The SIP vs Lumpsum advantage

SIPs are perfect for retail investors since they smooth out volatility. In contrast, Lumpsum or single-shot investment works best when you have an upfront cash reserves and can time the market bottom. Over long periods, both modes benefit massively from compound interest, which translates your interest back into principal gains.

Frequently Asked Questions

Yes. Mutual fund platforms allow you to pause, increase, or decrease your SIP amounts easily without any charges or penalties. It is highly flexible.

No, mutual funds are market-linked investments. Returns depend on underlying stocks/securities performance. Historically, equity mutual funds in India have delivered 12% to 15% average returns over a long-term horizon (5+ years).

Some mutual fund schemes apply an "exit load" (typically 1%) if you withdraw your money within a specified period (usually 1 year of allotment) to discourage early redemptions.

Support & Help

SIP Mutual Fund Calculator

Power of Compounding in Mutual Funds

What is a SIP?

The SIP vs Lumpsum advantage

Frequently Asked Questions

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Support & Help

SIP Mutual Fund Calculator

Yearly Growth Projection

Power of Compounding in Mutual Funds

What is a SIP?

The SIP vs Lumpsum advantage

Frequently Asked Questions

Ready to grow your business?

Product

Company

Help Center