SIP Calculator — Mutual Fund SIP & Lumpsum Calculator
Plan your mutual fund investments and visualize your wealth growth
Use this free online SIP calculator to estimate the future value of your mutual fund investments in seconds. Switch between SIP (monthly investments) and Lumpsum(one-time investment) modes, adjust your amount, duration and expected return, and see invested capital vs. estimated returns on an interactive pie chart. Perfect for planning retirement, child's education, or long-term wealth goals on NSE/BSE mutual funds.
Popular Mutual Funds to Invest In
* Live 5-year CAGR computed from AMFI NAV history via mfapi.in. Past performance is not indicative of future results. Read scheme documents carefully before investing.
About SIP & How This Calculator Works
What is SIP?
A Systematic Investment Plan (SIP) is a disciplined way of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Instead of trying to time the market, you invest consistently, letting the power of compounding and rupee-cost averaging grow your money over time.
SIPs are the preferred choice for long-term goals like retirement, child's education, or buying a home.
How SIP Works
- You choose a mutual fund and a monthly investment amount.
- On a fixed date every month, the amount is auto-debited from your bank.
- You get allocated units based on the current NAV — more units when NAV is low, fewer when high.
- This is rupee-cost averaging — it smooths out market volatility.
- Over years, compounding amplifies your returns exponentially.
SIP Formula
- M = maturity value
- P = monthly investment amount
- i = monthly interest rate (annual rate ÷ 12 ÷ 100)
- n = total number of installments (years × 12)
Lumpsum formula: M = P × (1 + r)n — where r is annual rate and n is years.
How This Calculator Helps You
- Estimate the future value of your SIP or lumpsum investment in seconds.
- Compare different scenarios — tweak amount, tenure, and return rate.
- See exactly how much of your corpus comes from invested capital vs returns.
- Set realistic goals for retirement, buying a home, or your child's education.
- Visualize the power of compounding through an interactive chart.
How Calculations Work
For SIP: each monthly installment compounds from the date of investment until the end of the tenure. The formula above sums up the future value of every installment, accounting for compounding at the monthly rate.
For Lumpsum: the full amount compounds annually for the entire duration.
Actual returns from a mutual fund will vary because NAV fluctuates daily — the calculator assumes a constant annual return rate, so treat the result as an estimate, not a guarantee.
Tips Before You Start
- Stay invested for at least 5–7 years for equity SIPs.
- Use step-up SIP to increase your investment every year by 10–15%.
- Diversify across large cap, mid cap, and small cap categories.
- Don't panic during market corrections — SIP works best in down markets.
- Review your portfolio once a year, not every week.