SIP Calculator

Use our free SIP (Systematic Investment Plan) calculator to estimate how your regular monthly investments grow over time with the power of compounding. Enter your monthly investment amount, expected return rate, and time horizon.

Financial

Currency

Monthly Investment Amount

Expected Annual Return (%)

Investment Period (years)

years

Annual Step-Up (%)

Formula

A Systematic Investment Plan (SIP) lets you invest a fixed amount regularly, typically monthly, in mutual funds or other investments. This calculator shows the power of regular investing and compounding over time.

M = P Ã— [((1+r)^n - 1) / r] Ã— (1+r), where r = monthly return, n = months

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter your monthly investment amount.
2Set the expected annual return rate.
3Choose your investment period in years.
4Optionally add an annual step-up to increase investments each year.

Examples

$5,000/month for 10 years at 12% annual return

1.Total invested = $5,000 Ã— 120 = $600,000
2.Monthly return = 12%/12 = 1%
3.Maturity â‰ˆ $1,160,000

Result: $1,160,000

Frequently Asked Questions

A Systematic Investment Plan (SIP) is a strategy of investing a fixed amount regularly in mutual funds or other investments. It helps average out market volatility through rupee cost averaging.

A step-up SIP increases your investment amount by a fixed percentage each year, typically aligned with your expected income growth.

SIPs buy more units when markets are low (lower NAV) and fewer when markets are high, naturally averaging out your purchase cost over time.

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SIP Investing Guide

CalculateMe Team

Last updated: 2026-07-15

Frequently Asked Questions

A Systematic Investment Plan (SIP) is a strategy of investing a fixed amount regularly in mutual funds or other investments. It helps average out market volatility through rupee cost averaging.

A step-up SIP increases your investment amount by a fixed percentage each year, typically aligned with your expected income growth.

SIPs buy more units when markets are low (lower NAV) and fewer when markets are high, naturally averaging out your purchase cost over time.

SIP Calculator

Formula

How It Works

Examples

$5,000/month for 10 years at 12% annual return

Frequently Asked Questions

What is a SIP?

What is a step-up SIP?

How does SIP help during market downturns?

Related Calculators

Related Articles

SIP Calculator

Formula

How It Works

Examples

$5,000/month for 10 years at 12% annual return

Frequently Asked Questions

What is a SIP?

What is a step-up SIP?

How does SIP help during market downturns?

Related Calculators

Related Articles