SIP Calculator – Systematic Investment Plan Returns
Calculate future value of monthly SIP investments with year-by-year breakdown.
Inputs
Breakdown
–of corpus = returns
Invested Amount
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Est. Returns
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Total Value
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Year-by-Year Breakdown
| Year | Monthly SIP | Total Invested | Returns | Total Value |
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Disclaimer: All calculations are for educational and illustrative purposes only. Results are estimates and do not constitute financial, tax, or investment advice. Tax calculations are based on FY 2024-25 rules. Actual returns may vary. Consult a SEBI-registered financial adviser or CA before making financial decisions. MarketFreeze is not a SEBI-registered investment adviser.
Frequently Asked Questions
What return rate to assume?▾
Equity MFs historically deliver 12-15% CAGR over 10+ years. Use 10-12% for conservative planning.
How does compounding work in SIP?▾
Each instalment earns returns, and those returns earn more returns. Over 20 years, Rs5,000/month at 12% = Rs49.9L on just Rs12L invested.
SIP vs Lumpsum?▾
SIP offers rupee cost averaging – you buy more units when markets are low. Lumpsum is better when markets are at a significant low.
Can I stop SIP midway?▾
Yes, most funds allow pausing without penalty. But staying longer improves returns significantly.