What is a SIP?
A Systematic Investment Plan is a way to invest a chosen amount at regular intervals into a mutual-fund scheme. It encourages consistency, but it does not remove market risk or guarantee a return.
SIP Calculator
Estimate how periodic mutual-fund contributions could grow over time using an assumed annual return rate.
Year-by-year projection
Estimated contribution, cumulative investment, growth, and ending corpus.
| Year | Contribution | Cumulative investment | Estimated growth | Ending corpus |
|---|
How the estimate works
The calculator adds each contribution at the selected frequency and applies an equivalent periodic rate. The assumed future value uses the annuity-due approach, where contributions are treated as invested at the start of each period.
Step-up SIP planning
A step-up increases the contribution at regular intervals, such as once a year. This can model rising income or savings goals, but the projection is only as reliable as the contribution and return assumptions.
Why use a SIP calculator?
It helps you test the effect of contribution size, time, and assumed return before setting a goal. The schedule separates your own contributions from estimated growth so the result is easier to understand.
How to read the chart
The blue area represents cumulative money invested. The green area represents estimated growth above those contributions. As the time horizon grows, compounding may become more visible, but actual market results can vary substantially.
Important disclaimer
Mutual-fund returns are market-linked and are not guaranteed. This tool does not include expense ratios, exit loads, taxes, or fund-specific performance. Consider professional advice for decisions that affect your finances.