SIP Calculator
Estimate what your monthly investment could grow into — adjust the amount, expected return and tenure to see the projection update instantly.
What is a SIP Calculator?
A SIP isn't a separate product from a mutual fund — it's simply a way of investing in one. Where a lumpsum investment puts your entire amount in at once, a Systematic Investment Plan spreads it across regular monthly instalments, so market timing matters less and consistency does more of the work.
This calculator projects the future value of that investment using compound interest math, based on the amount you invest, your expected annual return, and how long you stay invested.
What it doesn't do: it can't predict actual fund performance, and it doesn't account for exit load or expense ratio — both of which reduce real-world returns slightly compared to this estimate.
How Can a SIP Calculator Help You?
Compared to lumpsum investing, SIPs tend to build a habit of consistent saving and reduce the risk of investing everything at a market peak. A calculator makes the payoff of that consistency visible before you start.
- Plan your monthly commitment against a target maturity value.
- See your invested amount versus projected returns, side by side.
- Compare SIP against lumpsum for the same amount and tenure.
- Adjust assumptions instantly — return rate, tenure, or amount — without manual recalculation.
How Do SIP Calculators Work?
The maturity value of a SIP is calculated using the standard future-value-of-annuity formula:
M = P × (((1 + i)^n − 1) / i) × (1 + i)Where M is the maturity amount, P is your instalment amount, n is the number of instalments, and i is the periodic (monthly) rate of return.
Worked example — invest ₹5,000 per month for 12 months, expecting a 12% annual return.
A common mistake is dividing 12% by 12 and using 1% as the monthly rate. That's wrong, because returns compound. The correct monthly rate is:
i = (1 + 0.12)^(1/12) − 1 ≈ 0.95%Using this rate: M = 5,000 × (((1.0095)^12 − 1) / 0.0095) × 1.0095 ≈ ₹63,847
Against ₹60,000 invested, that's roughly ₹3,847 in estimated returns — a small but real illustration of compounding over just 12 months. Over 10 or 20 years, the same effect becomes far more significant.
Note: Actual mutual fund returns vary based on market conditions, the specific scheme, and fund manager performance. This calculator provides an estimate only and does not account for exit load, expense ratio, or taxation.
How to Use This Calculator
- Choose SIP or Lumpsum mode depending on how you plan to invest.
- Enter your monthly investment amount, or total lumpsum amount.
- Set your expected annual return rate based on the fund category you're considering.
- Choose your investment tenure in years.
- Read off your invested amount, estimated returns, and total maturity value.
Why Use STOXRA's SIP Calculator
Plan With Clarity
See exactly how your monthly amount and tenure translate into a maturity value before you commit.
Instant Results
No manual formula work — adjust any input and the projection updates immediately.
SIP vs Lumpsum
Toggle between both modes to compare outcomes for the same amount and tenure.
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FAQs
How much can I invest in a SIP?
Most mutual funds allow SIPs starting from as low as ₹100 to ₹500 per month, with no fixed upper limit. The right amount depends on your income, goals and how much you can invest consistently without straining your monthly budget.
What is the maximum tenure of a SIP?
There is no fixed maximum tenure. You can choose a fixed period, such as 1 to 30 years, or opt for a perpetual SIP that continues until you choose to stop, pause or modify it.
Are SIPs similar to mutual funds?
Not exactly. A mutual fund is the underlying investment product, while a SIP is simply a method of investing in that fund — putting in a fixed amount at regular intervals, as opposed to a lumpsum investment made all at once.
Can I modify my SIP amount?
Yes, most fund houses allow you to increase, decrease, pause or stop your SIP amount, though the exact process varies by platform. Some also offer a step-up SIP that automatically increases your investment each year.
Do SIPs allow only equity mutual fund investments?
No. SIPs can be set up for equity, debt, hybrid, index and other fund categories. The expected return rate and risk profile vary significantly depending on which category you choose.
Returns shown are estimates only and do not account for exit load, expense ratio, or taxation. Actual mutual fund returns vary and are subject to market risk. This tool does not constitute investment advice. · © 2026 Stoxra Technologies Private Limited