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SIP Calculator

Calculate your Mutual Fund SIP returns.

Monthly Investment


Expected Return Rate

1 %

Time Period

1 yr
30 yrs

What is an SIP?

SIPs are a way to invest a fixed sum of money in Mutual Funds periodically (weekly, quarterly, or monthly). It is a convenient way to invest in Mutual Funds as you do not have to make a lump sum investment, and can start with instalments as low as ₹100.

What is an SIP Calculator?

A Systematic Investment Plan (SIP) Calculator is a smart and easy tool that helps you calculate the returns you will earn on your SIP investments. Using this, you can get an estimate on how much you need to invest every month in order to reach your desired goal. It’s a quick and effective tool for achieving your financial goals. You can easily calculate the estimated returns on your investment by entering just a few basic details.

How does our SIP Calculator work?

Our SIP Calculator uses the following formula –
M = P × ({[1 + i]n – 1} / i) × (1 + i).
In this formula –

You are investing ₹1,000 per month for 12 months at a periodic rate of interest of 12%.
The rate of return per month would be 12%/12 = 1/100=0.01
Hence, in a year, you will get approximately ₹12,809.
However, do keep in mind that the rate of interest on Mutual Funds change as per market conditions. It may increase or decrease, which may impact the estimated returns.

Benefits of using our SIP Calculator

– Plan your Mutual Fund SIP investments better
– Get an estimate of the total value of your investments at the end of the SIP tenure
– Save time on manual calculations with accurate results

Frequently Asked Questions

How much can I invest in an SIP?

Although there is no upper limit to the amount you can invest in a SIP, the minimum amount that you can invest is INR 500 per month.

What is the maximum tenure of an SIP?

There is no maximum tenure. You can invest as long as you want to with SIPs. However, the minimum tenure is 3 years.

What is the difference between SIPs and Mutual Funds?

SIP is just a method of investing in Mutual Funds, and is not an investment scheme by itself. It refers to systematically investing a fixed amount of money in a selected Mutual Fund regularly over a period of time.

Can I change my SIP amount?

No, you cannot change your SIP amount anytime.

Does SIP allow only Equity Mutual Fund investments?

No, you can also invest in Debt and Hybrid Mutual Funds via SIPs.

What are the types of SIPs available?

Different types of SIPs are available in the market like –

Step-up or top-up SIP: This allows you to increase the investment amount automatically at specified intervals at a particular amount or percentage.
Perpetual SIP: It allows you to keep investing for as long as you wish to without any end date.
Trigger SIP: It lets you start investing during a specific index level, NAV, date, or event.
Flexible SIP: It lets you change your investment amount as per your preference

Can I renew an SIP?

Yes, you can easily renew an SIP automatically. Companies also give you the option to cancel the auto-renew feature.

Can I pause my investments in a SIP?

Yes, Mutual Fund companies also provide you with the option of pausing your SIP investments for a specified period of time.

This calculator is meant to be used for indicative purposes only. It is designed to assist you in determining the appropriate amount of prospective investments. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Upstox does not take the responsibility/liability nor does it undertake the authenticity of the figures calculated therein. Upstox makes no warranty about the accuracy of the calculators/reckoners. The examples do not claim to represent the performance of any security or investments. In view of the individual nature of tax consequences, each investor is advised to consult his/her own professional tax advisor before making any investment decisions on the basis of the results provided through the use of this calculator.