SIP Calculator
A free SIP calculator for Indian mutual fund investors. Enter a monthly investment, tenure, and expected annual return to project your SIP's future value below — or jump straight to a step-up, inflation-adjusted, target-amount, or goal-based variant if your planning needs are more specific.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
The calculators on this site are for informational and educational purposes only and do not constitute investment advice. TradeCalc is not a SEBI-registered investment advisor. Please consult a qualified financial advisor before making investment decisions.
Future value
₹50,45,760.00
Total invested
₹18,00,000.00
Total gains
₹32,45,760.00
All calculations run entirely in your browser — nothing you enter here is sent to a server or stored anywhere.
Explore more SIP calculators
The basic calculator above assumes a flat, unchanging SIP with no inflation adjustment. These variants handle more specific planning needs.
Step-Up SIP
Your SIP amount increases every year — compare it against a flat SIP of the same starting amount.
Explore tools →Inflation-Adjusted SIP
See both the nominal future value and the real, inflation-adjusted value in today's purchasing power.
Explore tools →Target-Amount SIP
Know your target corpus and deadline? Solve backward for the exact monthly SIP required.
Explore tools →Goal-Based SIP
Start from a life goal — education, retirement, a wedding, and more — with illustrative presets.
Explore tools →SIP fundamentals
How a SIP actually works
When you set up a SIP, you authorize a fixed amount to be debited from your bank account at a regular interval — almost always monthly — and invested into a mutual fund scheme of your choice. Each installment buys units of that scheme at whatever its NAV happens to be on that day, so your total holding grows both in number of units (from new installments) and in value (from the scheme's returns on units you already hold).
Why rupee-cost averaging matters
Because the rupee amount you invest is fixed but the NAV moves every day, a SIP automatically buys more units when prices are down and fewer units when prices are up. This is rupee-cost averaging, and it means you never have to correctly guess the "best" time to invest — the averaging happens mechanically over the tenure of the SIP, which is one of the main reasons SIPs are recommended over trying to time a single lump-sum investment.
Compounding rewards starting early and staying consistent
Every SIP installment starts earning returns from the day it's invested, and those returns themselves go on to earn further returns — this compounding effect is what makes the gap between a 10-year SIP and a 20-year SIP so much larger than simply double the contributions. It also means missed or stopped installments have a real cost beyond the missed amount itself, since that money loses all the compounding time it would otherwise have had.
A flat SIP is the starting point, not the only option
The calculator above models the simplest case — a fixed monthly amount for the whole tenure, with no adjustment for inflation. That's a reasonable first estimate, but most real financial plans benefit from a more specific approach: an increasing (step-up) SIP that keeps pace with rising income, an inflation-adjusted view of what the corpus is really worth, or working backward from a specific target or life goal. The four calculators above cover each of those cases using the same underlying calculation engine as this page.
Frequently asked questions
What is a SIP?
A SIP (Systematic Investment Plan) is a way of investing a fixed amount into a mutual fund scheme at a regular interval — usually monthly — instead of investing a lump sum all at once. Each installment buys units of the scheme at that day's NAV (Net Asset Value), so over time you build up a holding gradually, with your money starting to compound as soon as each installment is invested.
How much should I invest in a SIP?
There's no universal number — it depends on your income, expenses, and what you're saving for. A common starting approach is to work backward from a goal: decide on a target amount and a timeline, then use a calculator (the target-amount or goal-based calculators below do exactly this) to find the monthly SIP that gets you there, and check that figure against what you can realistically afford after essential expenses.
What is rupee-cost averaging, and why does it matter?
Because a SIP invests the same fixed amount every month regardless of the market level, it automatically buys more units when the NAV is low and fewer units when the NAV is high — this is rupee-cost averaging. Over a full market cycle, it tends to smooth out your average purchase cost compared to trying to time a single lump-sum investment, and it removes the temptation (and risk) of guessing when the "right" moment to invest is.
Which SIP calculator should I use?
Start with the basic calculator above if you just want a quick future-value estimate for a flat monthly SIP. If your income grows and you plan to increase your SIP over time, use the step-up SIP calculator. If you're planning a long-term goal and want to see what your corpus is really worth after inflation, use the inflation-adjusted SIP calculator. If you already know your target amount and deadline and want to solve for the required monthly investment, use the target-amount calculator — or the goal-based calculator if you'd rather start from a life-goal preset (education, retirement, a wedding, etc.) instead of a blank form.
Is this SIP calculator free?
Yes — every calculator on this page and its variants is free, runs entirely in your browser, and requires no signup. Nothing you enter is sent to a server or stored anywhere.
Learn more: How to Calculate SIP Returns — nominal, step-up, real & goal-based.
Ready to start a SIP? Compare brokers to open an investment account.