SIP Calculator

SIP Calculator

Use this SIP calculator to estimate how your Systematic Investment Plan contributions can grow over time. This free online tool helps you understand the future value of your regular monthly investments, making it easier to plan financial goals and start building wealth through consistent investing.

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₹100- ₹10 crore

Start investing with ₹100 | Easy KYC | Expert-managed funds

Calculate your SIP value

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Loan Label
Loan Amount
Loan Amount
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Investment Type
Monthly SIP
Lumpsum
Monthly Investment
Tenure (in years)
years
Expected Return
%

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Table

Returns (by years)

Total value
₹58,08,477
94%growth in 10 years
Estimated returns
₹28,08,477
Invested Amount
₹30,00,000

Graph

Table

Returns (by years)

Disclaimer

Mutual Fund SIP calculator may provide potential investors an approximate estimate on the maturity amount of the monthly SIP, purely based on mathematical calculation of the projected annual return rate selected by investor. However, such calculation does not factor the actual performance by the Asset Management Company (AMC) and should not be treated as any advice or assurance about the actual return of investment. Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.  Please note that the SIP calculator are for illustrations only and do not represent actual returns which may vary depending on various factors including but not limited to actual performance, expense ratio, taxation, exit load (if any), etc.

What is an SIP calculator?

  • An SIP calculator is a simple tool that comes in handy when you're trying to figure out what kind of returns you might get from mutual fund investments made through Systematic Investment Plans (SIPs). If you're someone who puts in a fixed amount every month and wants a sense of how that money could grow down the line, this tool basically does the heavy lifting for you. With over 8 crore active SIP accounts in India (AMFI), SIPs have become the default way Indians invest in mutual funds - and a calculator is the fastest way to see what your monthly amount could grow into.

     

    A mutual fund SIP calculator gives you a rough idea of your total investment, the returns you might expect, and how much wealth you could build, based on an assumed annual rate of return. That said, keep in mind these numbers are just estimates — actual returns can swing depending on market conditions and a bunch of other factors. It also doesn't factor in things like exit load or expense ratio, so the real numbers could look a bit different. Even so, a SIP calculator is genuinely useful for planning your investments and making sure your financial goals stay realistic and well thought out.

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How can an SIP calculator help you?

A Systematic Investment Plan (SIP) return calculator isn't just about crunching numbers — think of it more as a roadmap that helps you get to your financial goals down the road. Whether you're setting money aside for your child's education or building toward retirement, the calculator lets you actually see what disciplined, regular investing can do over time.

  • Understand your investment journey clearly:
    With only three details—your SIP investment amount, investment tenure, and expected returns—the SIP calculator instantly shows how your investment could grow. It helps you visualise the compounding effect and understand your investment's potential, even when you start with a small monthly investment capacity.
  • Plan backwards from your financial goal:
    Suppose your target is Rs. 1 crore in 25 years. The calculator lets you tweak your SIP amount and return assumptions until you find a monthly figure your budget can actually support. That turns a large, distant goal into a plan you can act on, rather than something you're just hoping will work out. As an example, at a 12 percent annual return, you would need to put in around Rs. 5,300 a month to reach Rs. 1 crore by the end of 25 years.
  • Make smarter investment calls: The tool lets you play around with different scenarios, so you get a clearer sense of how much you actually need to invest, how long you should stay invested for, and where you might need to tweak things along the way. It nudges you toward staying consistent with your SIP contributions, while helping you set financial goals that are based on real data rather than gut feeling.

How does an SIP calculator actually work? (The formula behind it)

  • Take an example. You invest Rs. 1,000 every month for 12 months and expect an annual return of 12 percent. To calculate the SIP maturity amount, the first step is finding the monthly rate of return (i).

    A common mistake is dividing the annual return by 12. This is not accurate because SIP returns are based on compounding.

    The correct formula is:

    Monthly Return = {(1 + Annual Return)^1/12} – 1

    For an annual return of 12%, the effective monthly return is about 0.95%, not 1%.

    Hence:

    i = (1 + 0.12)^1/12 − 1 = 0.0095 or 0.95%

    Therefore,

    M = 1,000 × ({[1 + 0.0095]^{12} – 1} / 0.0095) × (1 + 0.0095)

    This works out to an estimated maturity value of around Rs. 12,766 after one year.

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Start your SIP with high-performing mutual funds

Scheme Name

3Y return

 

Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth

27.71%

Invest Now

Nippon India Small Cap Fund Direct Plan IDCW Payout

21.09%

Invest Now

SBI Contra Fund

20.9%

Invest Now

Quant Small Cap Fund

19.66%

Invest Now

Bank of India Credit Risk Fund

6.33%

Invest Now


Disclaimer:
Past performance is not indicative of future returns. Please consider your investment objectives and risk appetite before investing.

How to use the Bajaj Finance SIP Calculator?

Using the Bajaj Finance SIP Calculator is an easy way to check your maturity amount. For a better understanding, let’s study the various steps below:

    • Enter your SIP amount: Begin by entering the investment amount you plan to invest monthly. This helps you check whether the SIP amount fits your budget and decide on an affordable SIP amount that you can sustain comfortably.

    • Choose investment duration and expected returns: Select the investment duration or investment tenure along with the expected rate of return. These inputs help estimate how your monthly investment may grow over time.

    • Check out the results: Once you've entered your details, the calculator shows you the current value of your invested amount, what your investment could grow to in the future, and the expected returns over your chosen investment period.

    • Tweak it to fit your budget: You can adjust the monthly investment amount or the duration to see how different combinations play out, and find that sweet spot that actually works for you.

    • Plan for financial goals: The calculator can also guide you in planning long-term financial goals by helping you estimate the required monthly investment and time needed to reach a desired financial milestone.
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Advantages of using Systematic Investment Plan (SIP) calculator

A mutual fund SIP calculator is a valuable tool. It helps investors determine how much their investments could grow over time. All investors have to do is input basic information like how much they plan to invest each month and the expected rate of return. To get better clarity, let’s study some of its advantages:

  •  

    Easy to use
    One of the major advantages of the SIP calculator is its user-friendly nature. Being a simple tool, anyone can use it without much hassle. By entering just a few details, like the monthly SIP amount, expected rate of return, and tenure, you can instantly see an estimated value of your investments.

    You can also experiment with the SIP calculator by changing these variables to understand how different factors impact your returns.

    Helps in deciding the SIP amount
    An SIP calculator really comes in handy when you're trying to work out how much you should be putting into mutual funds through SIPs. Just plug in your financial goals and the return you're expecting, and it'll help you figure out the monthly SIP amount you'd need to invest to get there. This is especially useful if you're someone who wants to make sure you're contributing just the right amount to actually hit your financial targets.

    User-oriented
    The mutual fund SIP calculator is completely free to use, and you can go back to it as many times as you like. It's there to help you keep fine-tuning your investment strategy whenever you need to. That way, it makes decision-making a lot more informed and takes some of the guesswork out of planning your investments.

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What is SIP?

An SIP (Systematic Investment Plan) is a simple way to invest in mutual funds; stock SIPs are offered separately through broking platforms. It allows you to invest a fixed amount at regular intervals instead of investing a large sum at one time. This helps you build your investments gradually while maintaining financial discipline.

An SIP offers a convenient way to invest without trying to predict market movements. Once you set up your SIP, your investments continue automatically at the chosen frequency. It also helps you benefit from rupee cost averaging over time. You can begin with a small investment and increase the amount later as your income and financial goals grow.

Types of SIPs

  1. Regular SIPs
    This is the most common type of SIP, where you invest a fixed amount at regular intervals. The money is automatically transferred from your bank account to the SIP. Investing regularly helps spread your investment across different market levels, which can reduce the impact of market fluctuations and average the purchase cost of mutual fund units over time.
  2. Flexible SIP
    A Flexible SIP lets you increase or decrease your SIP amount based on your needs. For example, you can invest more when the market falls and fund prices are lower, and invest less when prices are higher.
    You can also adjust the investment amount according to your financial situation. If you have limited funds, you can reduce the SIP amount. When your income or savings increase, you can raise your investment. This option is also known as Flexi SIP or Flex SIP.
  3. Step-up SIP
    Also called a Top-up SIP, this option allows you to increase your SIP amount at fixed intervals. For example, you can begin with a monthly SIP of Rs. 10,000 and increase it by Rs. 1,000 every year. It is a suitable choice for salaried individuals who expect regular salary hikes or annual bonuses.
  4. Perpetual SIP
    Most SIPs have a fixed investment period. A Perpetual SIP works differently, as you only need to choose the start date and not an end date. Your investments continue until you instruct the mutual fund house or Asset Management Company (AMC) to stop the SIP.
  5. Trigger SIP
    A Trigger SIP allows you to set specific conditions for your investments. These conditions can include a market fall, a favourable market movement, a certain index level, or a particular NAV (Net Asset Value). Once the selected trigger is met, it can start your SIP, redeem your mutual fund units, or switch your investment to another scheme. This option is useful for investors who prefer to automate their investment decisions.
  6. Multi SIP
    A Multi SIP lets you invest in several mutual fund schemes from the same fund house through a single SIP. For example, if you invest Rs. 30,000 every month, you can divide the amount equally across five schemes by investing Rs. 6,000 in each. This makes it easier to manage multiple SIP investments while helping you build a more diversified mutual fund portfolio.
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How to start an SIP investment?

  1. Visit the Bajaj Broking website 
  2. Choose your preferred fund and click 'Invest Now'. 
  3. Sign in or complete your quick KYC (takes only a few minutes). 
  4. Select SIP as the investment mode. 
  5. Enter your monthly amount and SIP date - your SIP is created and will auto-debit every month.

SIP vs Lumpsum: What works better?

For most investors, going with a regular SIP tends to work out better than putting in a lumpsum all at once. With a SIP, you invest a fixed amount every month, which helps you build wealth steadily over time while cushioning you a bit from market ups and downs. A lumpsum investment, on the other hand, puts your entire amount into the market in one go, which means it's a lot more exposed to how the timing plays out. That said, the right choice really comes down to your own financial situation and what you're investing for. But if you're looking for a disciplined, low-stress way to invest in mutual funds, a SIP is usually the way to go.
 

Parameter

SIP

Lumpsum

Investment style

Fixed monthly amount

One-time large amount

Market timing risk

Low (averaged over time)

High

Minimum amount

As low as Rs. 100 per month

Usually Rs. 1,000 or more

Best suited for

Salaried individuals, beginners

Investors with surplus funds and higher risk appetite

Volatility impact

Reduced through rupee cost averaging

Fully exposed to market fluctuations


For steady and disciplined wealth creation, investing in mutual funds through a SIP is generally the preferred choice.

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Tax implications on SIP investments

How your SIP gets taxed in India really comes down to how long you've held onto your units. If it's an equity mutual fund and you've held your units for more than 12 months, the gains count as long-term capital gains (LTCG) — these get taxed at 12.5% on anything above Rs. 1.25 lakh in a financial year. But if you sell within 12 months, that falls under short-term capital gains (STCG), which is taxed at a flat 20%. Importantly, each SIP instalment has its own holding period - units bought in your most recent instalments may still be short-term even if your SIP started years ago. 

ELSS (tax-saving) funds qualify for a deduction of up to Rs. 1.5 lakh under Section 80C, available under the old tax regime only, and carry a 3-year lock-in per instalment. Tax rules change periodically - consult a tax advisor for your specific situation.

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Frequently asked questions

Overview

Does an SIP have a fixed interest rate?

Not really, no. Your money goes into mutual funds, and mutual funds go up and down with the market. They don't pay a fixed interest rate like a bank deposit does. So when someone talks about the "interest rate" of an SIP, they're not talking about something fixed. They mean the return they're hoping to get, based on how that fund has done before. It's a guess built on past numbers, not a promise. The market can always surprise you, in both directions.

What's the minimum amount I need to start an SIP?

You can start with just Rs. 100 a month on the Bajaj Broking website. Not every fund is this flexible though. Many ask for at least Rs. 500 a month. If you're unsure how much to put in, don't worry about it. Start with whatever you can invest right now. You can always add more later, once you're earning a bit more. The important part isn't the amount you begin with. It's just getting started at all.

Is there a limit on how much I can invest in an SIP?

Most SIPs let you start at Rs. 500 a month, and there's no upper limit above that. So whether you want to invest a little or a lot, an SIP can work for you. This is actually one of the best things about SIPs. You get to decide what fits your budget, instead of being forced into some fixed amount. Big income or small, there's room for everyone to invest in a way that feels manageable.

Is an SIP the same as a mutual fund?

No, they're different things. Think of a mutual fund as the actual place where your money grows. An SIP is just the way you put money into it. Instead of handing over one big lumpsum in one go, you add smaller amounts regularly, usually every month. So the SIP is more like a method or a habit, while the mutual fund is where your money actually sits and grows over time.

Can I check what my SIP might grow into online?

Yes, and it's pretty quick. You just type in three things: how much you plan to invest each month, how many years you'll keep investing, and what return you expect to get. Once you enter these, the calculator shows you what your money could turn into. It also shows how much of that final number is your own money, and how much came from growth. Takes barely a minute to try out.

Is putting Rs. 1,000 a month into an SIP a good idea?

Yes, this is a good amount to start with. Rs. 1,000 every month, kept up for years, can slowly turn into something much bigger. That's the whole point of starting early. Once your income grows, you can always add more to the SIP.

How much would Rs. 1,000 a month grow to in 5 years?

If the annual return is 10%, this could become around Rs. 78,082 after five years. Of that amount, Rs. 60,000 is what you actually put in yourself, month after month. The remaining Rs. 18,082 is what your money earned on its own, just by staying invested. This shows how even a small, steady amount can slowly build up into something noticeably bigger, simply by giving it enough time to grow.

What would Rs. 3,000 a month grow to in 5 years?

With 12% annual return, this could grow to roughly Rs. 2,47,459 after five years. You'd have put in Rs. 1,80,000 of that total yourself. The rest, about Rs. 67,459, would be the extra amount your investment earned along the way. It's a good example of how a slightly bigger monthly amount, kept up consistently, ends up making a real difference to the final number by the time five years are done.

What would Rs. 5,000 a month grow to in 5 years?

At a 12% return, this could grow to about Rs. 4,12,431 after five years. Around Rs. 1,12,432 of that comes purely from growth, not from what you personally added each month. This shows that even over a relatively short period like five years, increasing your monthly amount can noticeably boost your final result. The bigger the monthly contribution, the more the growth adds on top of it.

Is an SIP of Rs. 5,000 a month a good choice?

This is good if you're thinking long term.
It helps in building a strong saving habit, and your money also starts earning on its own as time passes. What you end up with depends on a few things: how long you stay invested, which fund you pick, and how the market behaves over the years. If your income grows later, it's worth increasing this amount too. Small increases, kept up over many years, really do add up.

What does Rs. 5,000 a month look like over just 3 years?

Over three years, this adds up to Rs. 1.8 lakh invested in total. At a 12% return, it could grow to around Rs. 2.15 lakh. That might not sound like a huge jump, and that's completely normal. Three years just isn't very long for an SIP to show its full potential. The real benefit of an SIP tends to show up later, once you've stayed invested for many more years.

What would Rs. 4,000 a month grow to in 10 years?

Over 10 years, you'd invest a total of Rs. 4,80,000. At an 11% annual return, this could grow to around Rs. 8.76 lakh. That means roughly Rs. 3.96 lakh would come purely from returns. This is a good example of how staying invested for a longer stretch, like 10 years instead of 3, gives your money much more room to grow through the power of compounding.

What would Rs. 2,000 a month grow to over 20 years?

At a 12% return, a total investment of Rs. 4.8 lakh could grow to almost Rs. 20 lakh over 20 years. That's a big gap between what you put in and what you end up with. Most of that gap comes from growth, not from your own contributions. This really shows what happens when you give an investment a long time to grow. As always, these numbers are just estimates, not guaranteed outcomes.

What would Rs. 10,000 a month grow to over 20 years?

At a 12% return, Rs. 24 lakh invested could grow to nearly Rs. 1 crore over 20 years. This happens because of something called compounding, where your returns start earning returns of their own. It basically snowballs over time. Time matters more here than the exact amount you invest each month. Starting early gives your money many more years to grow and helps it ride out market ups and downs.

Is there a maximum time limit for how long an SIP can run?

No, there isn't one. You can keep an SIP going for as long as you like. Most fund houses do ask for a minimum period though, usually around six months. One small thing worth knowing: since October 2023, the auto-debit setup used for SIP payments only stays valid for 30 years. After that, you'll need to renew it so your payments can keep going without any interruption.

Are there any upper limits on how much I can put into an SIP?

Not really, no. You can invest whatever amount fits your goals and your budget comfortably. That said, some individual funds may set their own minimum amount, so it's worth checking this before you start. Other than that, there's a lot of freedom here. Whether you want to invest a small amount each month or a much larger one, an SIP can usually be shaped around what works for you.

Can I run more than one SIP at the same time?

Yes, and a lot of people actually do this. It's pretty common to have separate SIPs for different goals, like one for buying a house someday and another for retirement. Both can run side by side without any issue at all. This way, you can track how each goal is progressing on its own, while still keeping the habit of investing regularly across all of them at the same time.

Can I renew an SIP once it finishes?

Yes, once your SIP reaches the end of its term, you can renew it. You can either continue with the exact same plan as before, or change the amount and the duration to match your current goals. This makes SIPs quite flexible for long-term planning. Your investment strategy doesn't have to stay exactly the same forever. It can shift and adjust as your life and priorities change over the years.

What happens if I miss a monthly SIP payment?

Missing just one payment usually isn't a big deal. Your SIP will simply pick up again the following month, without any real problem. But if you keep missing payments again and again, the fund house might eventually cancel the SIP altogether. To avoid this, it helps to make sure there's enough money in your bank account each month, or to lower your SIP amount if it's becoming hard to keep up with. 

What kind of average return can I expect from an SIP?

This depends on the fund you choose and how the market behaves. Looking back, large-cap funds have averaged around 10-13% a year, mid-cap funds around 12-16%, small-cap funds 14-18%, and debt funds a bit lower at 6-8%. But past results never guarantee what happens next. It helps to try a few different rates in the calculator, so you get a more realistic sense of what to expect.

Is there a minimum return I'm guaranteed to get from an SIP?

No, there's no minimum or guaranteed return at all. Whatever the market does, your investment follows along with it, for better or worse. What genuinely helps lower the risk is time. Historically, the chances of losing money in diversified equity funds drop quite a bit once you've stayed invested for 7 to 10 years or longer. Picking a fund that matches your comfort with risk, and then being patient, matters far more than chasing any guaranteed number.

How much will a Rs. 5,000 monthly SIP grow to in 10 years?

Over 10 years, you'd put in a total of Rs. 6 lakh. At a 12% return, this could grow to around Rs. 11.6 lakh, meaning about Rs. 5.6 lakh would come from growth alone. At a more careful estimate of 10%, the total would be closer to Rs. 10.3 lakh instead. It's worth trying both numbers in the calculator, just to see which one feels more realistic for your own situation and expectations.

How does an SIP calculator actually work, and what formula is behind it?

There's a formula behind it, though you don't need to memorise it: M = P x ({[1 + i]^n - 1} / i) x (1 + i). Here, P is what you invest each month, n is the number of months, and i is your monthly return rate. You just enter your numbers, and the calculator shows your total investment, your gains, and the final amount. It won't count things like exit load or tax though, so treat it as a helpful estimate.

How much do I need to invest monthly to build Rs. 1 crore?

At a 12% assumed return, you'd need around Rs. 5,300 a month if you have 25 years to invest. For 20 years, it's closer to Rs. 10,000 a month. And for just 10 years, you'd need about Rs. 43,000 a month. Notice the pattern here. The more time you give your money, the less pressure there is each month, since compounding does more of the heavy lifting the longer you stay invested.

Are SIP returns guaranteed, and what can I actually expect from them?

No, nothing about SIP returns is guaranteed. Since the money goes into mutual funds, your returns follow the market, and that means they can go down for a while too, not just up. Looking at history, large-cap funds have averaged around 10-13% a year, and debt funds around 6-8%. But that's history talking, not a promise for tomorrow. What an SIP really gives you, reliably, is the habit of investing regularly, and that habit tends to matter more than people expect.

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Disclaimer:

Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319

BFL does NOT:

(i) provide investment advisory services in any manner or form:

(ii) carry customized/personalized suitability assessment:

(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:

Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.


Disclosure: Bajaj Finance Limited (BFL) is a distributor of Mutual Funds with ARN - 90319 and distributes mutual funds of Bajaj Finserv Asset Management Limited (BFSAMC). BFL receives commission towards distribution of mutual fund products. BFSAMC is a group company of BFL, carrying business on arm’s length basis without any conflict of interest and in accordance with the prevailing law / regulation.