SIP Calculator
Estimate your investment growth
The total value of your investment after 10 Years will be
₹ 1,150,193 (11.5 Lakhs)
What is SIP?
A Systematic Investment Plan (SIP) is a disciplined method of investing a fixed amount in mutual funds at regular intervals—usually monthly. Rather than timing the market, SIP allows you to invest consistently, benefiting from rupee cost averaging and compounding returns.
SIPs are especially useful for salaried individuals and first-time investors looking to build wealth steadily over time.
Benefits of SIP vs. Lump Sum Investment
| Feature | SIP Investment | Lump Sum Investment |
|---|---|---|
| Risk | Lower risk due to cost averaging | Higher risk due to market timing |
| Affordability | Small monthly amounts | Requires large upfront capital |
| Market Timing | Not needed | Crucial (timing matters) |
| Discipline | Encourages regular saving | Requires financial planning upfront |
| Volatility Handling | Absorbs market fluctuations better | More exposed to short-term volatility |
How SIP Returns Are Calculated
SIP returns are calculated using the standard future value formula:
FV = P × [(1 + r)^n – 1] × (1 + r) / r
- P = Monthly investment amount
- r = Monthly return rate (Annual rate ÷ 12 ÷ 100)
- n = Number of months
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator helps investors estimate the returns on their mutual fund investments over time. SIPscale makes it easy to forecast your financial growth based on monthly contributions, expected returns, and investment duration.
Whether you're saving for retirement, a house, or your child’s education, our tool gives you a clear picture of how your money can grow over time.
Unlike manual calculations or confusing spreadsheets, SIPscale provides an intuitive interface with instant results — no registration, no fees, and fully optimized for mobile use.