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Can I use the results for planning?

Yes — use them as estimates and confirm important decisions with a qualified professional.

SIP Calculator | SmartCalc

Estimate future value of a monthly systematic investment plan. This dedicated page is built for fast, clean calculations and search visibility.

Enter your values, click calculate, and see the result instantly. The page uses a simple, focused layout to improve usability on mobile and desktop.

How to use this calculator

Open the sip calculator page.
Enter the required values in the form fields.
Click Calculate to see the result and breakdown.
Use the related links to explore similar tools.

Results are estimates. For lending, taxes, trading, nutrition, or medical decisions, verify with a qualified professional.

How SIP returns are calculated

A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals — typically monthly. Unlike a lump sum, each SIP instalment buys units at the current NAV, giving you rupee cost averaging: more units when markets are low, fewer when high. This reduces the impact of market timing on your overall returns.

The future value formula for SIP is FV = P × [(1 + r)ⁿ – 1] / r × (1 + r), where P is monthly investment, r is monthly rate, and n is number of months. At ₹10,000/month for 15 years at 12% p.a. CAGR, you invest ₹18 lakh and accumulate approximately ₹50 lakh.

Realistic return assumptions by fund type

Large-cap equity funds: 10–12% long-term CAGR (Nifty 50 delivered ~12% over 20 years to 2024).
Mid/small-cap funds: 13–16% potential, but with higher volatility and drawdown periods.
Hybrid funds: 8–11%, lower volatility, suitable for 5–7 year horizons.
Debt funds: 6–8%, suitable for goals within 3 years.

Increasing your SIP by 10% annually (step-up SIP) matches typical salary growth and dramatically improves outcomes. A ₹10,000 SIP stepped up 10% yearly grows to nearly ₹1.2 crore in 20 years at 12% — vs. ₹75 lakh for a flat SIP. Run a flat estimate here, then factor in 10–15% annual increases for a more accurate projection.

Frequently asked questions

Is a 12% return assumption realistic for Indian equity SIPs?▼

Historically, yes — the Nifty 50 TRI has delivered approximately 12–13% CAGR over rolling 15–20 year periods. However, individual fund performance varies, and past returns don't guarantee future results. For conservative planning, use 10–11% for large-cap funds and stress-test at 8% for worst-case scenarios.

What happens to my SIP during a market crash?▼

Your SIP continues buying units at lower prices during crashes, which is actually advantageous. Investors who stayed invested through the 2008–2009 and 2020 market crashes saw their SIPs perform better than those who paused, because they accumulated more units at depressed prices. Consistency is the core benefit of SIP.

How is SIP different from a recurring deposit (RD)?▼

An RD gives a fixed, guaranteed return (currently 6–7.5% in most banks) and carries no market risk. SIPs invest in market-linked instruments with no guaranteed return but higher long-term potential. RDs are suitable for short-term goals; equity SIPs are more appropriate for goals 7+ years away.

Can I stop or pause my SIP anytime?▼

Yes, most mutual funds allow you to pause for 1–3 months or cancel anytime without penalty. There's no exit load for SIP units held beyond the fund's specified period (typically 1 year for most open-ended equity funds, 3 years for ELSS). Missing a few months impacts the corpus but doesn't create financial obligations.