Advanced SIP Calculator
Plan your investments smartly and make informed financial decisions
Investment Parameters
Estimated Returns
Adjusted Values
Yearly Investment Growth
| Year | Invested | Interest | Total Value |
|---|
Lumpsum vs SIP Comparison
| Parameter | SIP Investment | Lumpsum Investment |
|---|---|---|
| Total Investment | ₹0 | ₹0 |
| Final Value | ₹0 | ₹0 |
| Wealth Gained | ₹0 | ₹0 |
| Absolute Return | 0% | 0% |
Note: Lumpsum investment assumes same amount as total SIP investment made at the beginning of the period.
Key Features
🔹 Accurate SIP Return Calculation
Estimate the future value of your investments with precision. Supports monthly, quarterly, and yearly SIP investments. Uses the compound interest formula to project returns.
🔹 Customizable Investment Parameters
Adjust investment amount, tenure, and expected rate of return to see different scenarios. Set step-up SIP options for increasing investments over time.
🔹 Graphical & Tabular Analysis
Get a detailed breakdown of your total investment, interest earned, and maturity amount. View interactive charts and tables for easy visualization.
🔹 Inflation & Tax Adjustment
Factor in inflation rates to see real purchasing power at maturity. Calculate post-tax returns based on your tax slab.
🔹 Lumpsum vs SIP Comparison
Compare returns from a one-time lumpsum investment versus a recurring SIP. Make the right investment decision based on your financial goals.
🔹 Easy to Use, Fast & Free!
100% online—no registration required. Instant calculations with accurate results. Perfect for investors, financial planners, and beginners.
Basic Calculation
Enter Your Monthly SIP Amount
In the “Monthly SIP Amount” field, enter how much you plan to invest regularly (e.g., ₹5,000)
Minimum amount is ₹500 (automatically enforced)
Set Investment Tenure
Use the slider to select how many years you plan to invest
Range is from 1 to 40 years
The value updates automatically as you move the slider
Enter Expected Annual Return
Use the slider to set your expected rate of return (1% to 30%)
For equity mutual funds, a typical range is 10-15%
For debt funds, consider 6-8%
Select SIP Frequency
Choose from:
Monthly (default)
Quarterly
Yearly
The calculator automatically adjusts calculations based on your selection
Click “Calculate Returns”
View your results instantly in the Summary tab
Advanced Features
Step-up SIP (Increasing Investments Over Time)
Toggle “Step-up SIP” switch to ON (blue indicates active)
Set Annual Increase Percentage
Enter how much you want to increase your SIP each year (e.g., 10%)
This helps account for salary increases and inflation
Adjustments for Realistic Planning
Inflation Adjustment
Toggle “Adjust for Inflation” switch to ON
Enter expected inflation rate (default is 6%)
View “After Inflation” value to see purchasing power of your returns
Tax Adjustment
Toggle “Adjust for Tax” switch to ON
Enter your applicable tax rate on capital gains
View “After Tax” value to see post-tax returns
Viewing Results
The calculator provides multiple ways to analyze your investment:
Summary Tab (Default View)
Pie chart showing investment vs returns
Key numbers: Maturity amount, total invested, wealth gained
Adjusted values for inflation and tax
Yearly Breakdown Tab
Line chart showing growth over time
Detailed table with year-by-year:
Amount invested
Interest earned
Total value
Lumpsum vs SIP Comparison Tab
Bar chart comparing SIP with equivalent lumpsum investment
Table showing key differences:
Total investment
Final value
Wealth gained
Absolute return
F&Q
does grow credit rs 1 for mutual fund SIP?
No, Groww does not give mutual fund SIPs a ₹1 credit. The minimum investment amount for the majority of mutual funds ranges from ₹100 to ₹500, depending on the fund. Advertisements may exist, but ₹1 SIP is not a standard feature.
For current offers, check Groww’s official page .
How much is 1000 SIP for 5 years?
Your total investment will be ₹60,000 if you use an investor plan (SIP) to invest ₹1,000 every month for five years. You can expect a maturity amount of approximately ₹81,000 to ₹85,000 if you assume an average yearly return of 12%.
A SIP calculator can help you accurately predict your returns based on your monthly investment, tenure, and expected rate of return.
How to Invest in a SIP Plan?
Investing in a SIP is simple and can be done in a few steps:
Choose a trusted platform like Groww or Zerodha Coin.
Complete KYC (you’ll need PAN, Aadhaar, and bank details).
Select your mutual fund based on goals and risk appetite.
Enter SIP amount, frequency, and start date.
Set auto-debit from your bank for monthly investments.
Use a SIP calculator to plan your investments and returns before selecting a fund.
How Much is ₹5,000 SIP per Month for 5 Years?
If you invest ₹5,000 a month for five years in SIP, your total investment will be ₹3,00,000.Your anticipated maturity value, assuming a 12% average annual return, will be between ₹4,00,000 and ₹4,30,000.
A SIP calculator that takes into account duration, monthly amount, and expected profits helps you understand returns.
Can I Get 15% Return on SIP?
15% yearly returns are possible, but not sure. The performance of the market and the kind of mutual fund you select—debt, mixed, which or equity—will determine this. Certain shares mutual funds have produced even greater long-term returns, according to historical statistics.
To find funds with potential, refer to Moneycontrol’s Top SIPs .