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SIP Calculator

SIP Calculator

Calculate future returns on monthly Systematic Investment Plans (SIP & Step-Up SIP).

All Calculators
Invested
₹2,40,000
Est. Returns
₹65,076
Maturity Value
₹3,05,076

Investment Growth Breakdown

About Systematic Investment Plan (SIP)

A Systematic Investment Plan (SIP) is an investment vehicle offered by mutual funds that allows you to invest a fixed amount regularly (monthly, quarterly, or weekly) into a chosen mutual fund scheme instead of making a single lump sum payment. 🚀

SIP instills financial discipline by automating your savings and leverages Rupee Cost Averaging — buying more units when prices are low and fewer units when prices are high. Over time, the Power of Compounding turns small regular savings into substantial wealth. 💰

SIP Formula

The future maturity value of a standard SIP is calculated using the compound formula:

M = P × [((1 + i)^n - 1) / i] × (1 + i)
  • M = Maturity amount
  • P = Monthly investment amount
  • i = Monthly interest rate (Annual Rate ÷ 12 ÷ 100)
  • n = Total number of months (Years × 12)
Key Benefits of SIP:
  • Rupee Cost Averaging: Eliminates the need to time the stock market.
  • Power of Compounding: Returns generated earn further returns year after year.
  • Flexibility: Start with as low as ₹500/month and increase via Step-Up SIP as your income grows.
Calculator Disclaimer — One Source Financial Services (ARN: 48230)

This calculator is provided for general informational and illustrative purposes only. The maturity values, returns, and projections shown are indicative estimates calculated using standard compound interest assumptions based on the user's inputs — they do not constitute financial advice, guaranteed returns, or official commitments from One Source Financial Services or product issuers. Actual returns are subject to market volatility, load structures (TER), compounding conventions, applicable Tax Deducted at Source (TDS), and capital gains taxes. Please consult official scheme information documents (SID / KIM) and seek professional financial guidance before making investment decisions.