See exactly how your money grows over time. Enter your monthly SIP amount, expected return rate and duration — get an instant projection with a full year-wise breakdown.
A SIP Calculator (Systematic Investment Plan Calculator) is a free online financial tool that helps investors estimate the future value of their regular monthly investments in mutual funds. By entering three simple inputs — monthly investment amount, expected annual return rate, and investment duration — the calculator instantly shows you the estimated maturity corpus, total amount invested, and estimated returns earned.
The calculator uses the standard mutual fund SIP formula: M = P × {[(1 + i)ⁿ − 1] ÷ i} × (1 + i), where M is the maturity amount, P is the monthly investment, i is the monthly interest rate (annual rate ÷ 12), and n is the total number of monthly instalments. This formula accounts for the compounding effect of returns month over month, which is the primary driver of long-term wealth creation through SIP.
Our calculator also supports Lumpsum investment calculations and a Step-Up SIP feature — where your SIP amount increases annually, mirroring your salary growth — giving you a more realistic picture of how disciplined, increasing investments can build significant wealth over time.
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The SIP Compound Formula
M = P × {[(1+i)ⁿ − 1] ÷ i} × (1+i). Monthly compounding means every rupee earns returns on its own returns — the longer you stay invested, the more powerful this becomes.
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Time in Market Beats Timing
₹10,000/month at 12% p.a. for 10 years grows to ₹23.2L. The same SIP for 20 years grows to ₹99.9L — over 4x the corpus for just double the time. Starting early is the single biggest advantage.
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Rupee Cost Averaging
SIP automatically buys more units when markets are low and fewer when high. Over time, this averages your cost per unit downward, reducing the risk of entering the market at a single bad moment.
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Power of Step-Up SIP
A ₹10,000 SIP with 10% annual step-up grows to ₹1.98 Cr over 20 years vs ₹99.9L for a flat SIP — nearly double the corpus by simply increasing in line with your annual salary hike.
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Lumpsum vs SIP
Lumpsum investing benefits from full capital compounding from day one — ideal for windfalls or inheritances. SIP suits regular salary earners, spreads risk via rupee cost averaging, and builds financial discipline.
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Tax Benefits via ELSS SIP
ELSS (Equity Linked Savings Scheme) SIPs qualify for up to ₹1.5L deduction under Section 80C with only a 3-year lock-in — the shortest lock-in period among all 80C investments.
Quick Comparison
SIP vs Lumpsum — Which is Right for You?
Feature
SIP (Systematic Investment Plan)
Lumpsum Investment
Investment style
Regular fixed monthly amount
One-time large amount
Minimum amount
As low as ₹100/month
Usually ₹500 – ₹5,000 minimum
Market timing risk
Low — cost is averaged out monthly
High — depends on entry point
Best suited for
Salaried investors with monthly savings
Investors with a windfall or bonus
Flexibility
Can pause, stop or increase anytime
Full amount invested at once
Compounding
Returns compound on invested amount month by month
Full corpus compounds from day one
Ideal market condition
Works in all market cycles
Best started during market corrections
FAQ
Frequently Asked Questions
Everything you need to know about SIP, Mutual Funds and investing with Nikunj.
A Systematic Investment Plan (SIP) is an investment method that allows you to invest a fixed, pre-determined amount in a mutual fund scheme at regular intervals — typically monthly. It is one of the most effective ways to invest in mutual funds as it removes the need to time the market, builds financial discipline, and leverages the power of compounding over the long term. SIPs can be started with as little as ₹100 per month.
This SIP calculator provides an estimated projection based on a constant assumed rate of return you enter. In reality, mutual fund returns fluctuate year to year based on market performance. Use the results as a planning guide rather than a guarantee.
A Step-Up SIP (also called Top-Up SIP) increases your monthly investment amount by a fixed percentage every year — typically aligned with your salary increment. Even a 10% annual step-up can nearly double your final corpus compared to a flat SIP over 20 years, without significantly impacting your monthly cash flow since the increase happens gradually over time.
Yes. SIPs are highly flexible. You can pause, stop, increase, or decrease your SIP amount at any time without any penalty. Most fund houses allow a temporary pause of up to 3 months. While stopping a SIP doesn't attract a penalty, early redemption of units may attract exit loads depending on the fund scheme and holding period.
In a SIP, you invest a fixed amount every month, which averages out your purchase cost over time through rupee-cost averaging — reducing risk. In a lumpsum investment, you invest the entire amount at once, which means the full corpus starts compounding immediately but also carries higher risk if you invest at a market peak. SIP is generally recommended for regular salaried investors; lumpsum is suited for those with a one-time surplus amount.
A mutual fund is a professionally managed investment vehicle that pools money from many investors to invest in a diversified portfolio of stocks, bonds, or other securities. Each investor owns units of the fund proportional to their investment. Mutual funds are regulated by SEBI and offer retail investors access to a diversified, professionally managed portfolio starting from very small amounts.
In a Direct plan, you invest directly with the fund house with no distributor commission, resulting in a lower expense ratio and higher returns over time. In a Regular plan, a distributor earns a trail commission, which is charged as part of the fund's expense ratio, reducing your returns slightly. Nikunj offers 3,500+ Direct mutual fund schemes at zero commission — ensuring you keep more of your returns.
Mutual funds are broadly classified into equity funds (invest primarily in stocks — higher risk, higher return potential), debt funds (invest in bonds and fixed income — lower risk, moderate returns), hybrid funds (a mix of equity and debt), index funds (passively track an index like Nifty 50), and ELSS funds (equity funds with tax benefits under 80C). Within these, there are large-cap, mid-cap, small-cap, sectoral, thematic, and international fund options.
NAV (Net Asset Value) is the per-unit price of a mutual fund scheme, calculated daily by dividing the total market value of the fund's assets (minus liabilities) by the total number of outstanding units. When you invest in a mutual fund, you're buying units at the applicable NAV. As the fund's underlying assets appreciate, the NAV increases — reflecting your investment's growth.
Most mutual funds allow SIPs starting from ₹100 to ₹500 per month, depending on the scheme. At Nikunj, you can start a SIP with as little as ₹100/month in eligible schemes, making mutual fund investing accessible to first-time investors, students, and those just beginning their financial journey.
An exit load is a small fee charged by the fund house when you redeem (sell) your mutual fund units before a specified holding period — typically 1 year for equity funds. It is usually 1% of the redemption amount. After the lock-in or exit load period, redemptions are generally free. ELSS funds have a mandatory 3-year lock-in with no early redemption permitted.
Yes. Nikunj Stock Brokers Limited is fully registered and regulated by SEBI with registration number INZ000169335. The company is also a member of NSE (Member Code: 06913), BSE (Member Code: 6645), and MCX (Member Code: 16505), and holds NSDL (DP ID: IN302994) and CDSL (DP ID: 100300) depository registrations. All client funds are held in segregated accounts.
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Investments in securities market are subject to market risks, read all the related documents carefully before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Nikunj Stock Brokers Limited acts only as a distributor of mutual funds (AMFI ARN-0087). Mutual fund units are not Exchange-traded products, and investors will not have access to the Exchange investor redressal or arbitration mechanism for them.
The calculator shows an illustrative projection based on the rate you enter. It is not a promise of returns.
