What is a SIP Calculator?
A SIP calculator is a free online tool that estimates how much wealth your monthly mutual fund investments can build over time. You enter the amount you plan to invest every month, the expected annual rate of return and the number of years, and the calculator instantly shows your total invested amount, the estimated returns and the maturity value of your Systematic Investment Plan.
Stocker's SIP calculator also supports lumpsum investments and goal-based SIP planning, so you can work backwards from a target amount — such as a house down payment, your child's education or retirement — to find the monthly SIP you need to start today.
How to use the SIP Calculator
- 1Choose the mode: Monthly SIP, Lumpsum or Goal-based SIP.
- 2Enter your monthly investment amount (or the lumpsum / goal amount).
- 3Set the expected annual return — equity funds have historically delivered around 10–14% over long periods, debt funds around 6–8%.
- 4Choose the investment period in years.
- 5Read the invested amount, estimated returns and total value, and check the year-wise growth to see compounding at work.
SIP Calculation Formula
- FV
- — Future value (maturity amount) of the SIP
- P
- — Monthly SIP amount
- i
- — Monthly rate of return = annual rate ÷ 12 ÷ 100
- n
- — Total number of monthly instalments = years × 12
The extra (1 + i) term assumes each instalment is invested at the start of the month, which is how most SIPs work in practice.
Example: ₹10,000 monthly SIP at 12% for 10 years
| Monthly investment | ₹10,000 |
|---|---|
| Total invested (120 months) | ₹12,00,000 |
| Estimated returns | ₹11,23,391 |
| Maturity value | ₹23,23,391 |
Stay invested for 20 years instead and the same ₹10,000 SIP grows to roughly ₹99.9 lakh — doubling the time more than quadruples the corpus. That is the power of compounding.
Benefits of investing through a SIP
- Rupee cost averaging — you buy more units when markets fall and fewer when they rise, lowering your average cost over time.
- Power of compounding — returns earn further returns; the longer you stay invested, the faster your wealth grows.
- Financial discipline — an automatic monthly debit builds a saving habit without needing to time the market.
- Low starting amount — most mutual funds allow SIPs from as little as ₹100–₹500 a month.
- Flexibility — you can pause, stop, increase (step-up) or switch your SIP at any time.
SIP vs lumpsum: which is better?
A lumpsum puts your whole amount to work immediately, which can earn more if markets rise steadily after you invest. A SIP spreads your entry over many months, reducing the risk of investing everything at a market peak. For salaried investors with a monthly income, SIP is usually the more practical and less stressful route. If you already have a large amount, consider a lumpsum in a liquid fund combined with an STP into equity.
Tips to get the most from your SIP
- Start early — even a few extra years of compounding makes a large difference to the final corpus.
- Increase your SIP every year with a step-up as your salary grows.
- Don't stop your SIP during market falls; those months buy units at a discount.
- Match the fund type to your goal: equity for 5+ years, hybrid or debt for shorter goals.
- Review your portfolio once a year rather than reacting to daily market moves.
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Results from this calculator are estimates based on the inputs and assumptions you enter. They are for information and education only and are not financial, tax or investment advice.