SIP Calculator India 2025
Calculate your Systematic Investment Plan returns with compound growth
Popular SIP Mutual Fund Schemes in India 2025
| Fund Name | Category | 3Y Returns | 5Y Returns | Min SIP |
|---|---|---|---|---|
| ICICI Prudential Infrastructure Fund | Sectoral | 33.05% | 31.3% | ₹500 |
| Motilal Oswal Midcap Fund | Mid Cap | 32.4% | 34.2% | ₹500 |
| SBI PSU Fund | PSU | 31.8% | 33.7% | ₹500 |
| HDFC Flexi Cap Fund | Flexi Cap | 24.5% | 30.2% | ₹100 |
| Parag Parikh Flexi Cap Fund | Flexi Cap | 22.7% | 23.9% | ₹1,000 |
| HDFC Large and Mid Cap Fund | Large & Mid Cap | 24.6% | 27.2% | ₹100 |
| Nippon India Small Cap Fund | Small Cap | 25.05% | 31.5% | ₹500 |
| ICICI Prudential Bluechip Fund | Large Cap | 19.8% | 23.0% | ₹1,000 |
Key Features of the SIP Calculator
Multiple Calculation Types
- Standard SIP: Fixed monthly investment calculation
- Step-up SIP: Annual increment feature (10% increase yearly)
- Target-based SIP: Calculate required monthly amount for specific goals
Interactive Design Elements
- Mobile-responsive layout optimized for all devices
- Interactive sliders for easy parameter adjustment
- Real-time calculations without page refresh
- Clean, professional interface suitable for finance websites
Indian Market Focus
- Formula specifically designed for Indian SIP calculations
- Popular mutual fund schemes table with current performance data
- INR currency formatting throughout
- Minimum SIP amounts starting from ₹100-₹1,000
SIP Calculator Formula Explained
Core Mathematical Formula
The calculator uses the standard SIP formula recognized across Indian financial institutions:
FV = P × ({[1 + i]^n – 1} / i) × (1 + i)
Where:
- FV = Future Value (Maturity Amount)
- P = Monthly SIP Investment Amount
- i = Monthly Rate of Return
- n = Total Number of Monthly Installments
Critical Formula Component: Monthly Return Conversion
Monthly Return = {(1 + Annual Return)^1/12} – 1
For example, with 12% annual return:
- Correct monthly return = 0.9489% (not simply 12÷12 = 1%)
- This precision ensures accurate compound interest calculations
Popular SIP Schemes Featured in Calculator
Top Performing Funds (2025 Data)
| Fund Name | Category | 3Y Returns | 5Y Returns | Min SIP |
| ICICI Prudential Infrastructure Fund | Sectoral | 33.05% | 31.3% | ₹500 |
| Motilal Oswal Midcap Fund | Mid Cap | 32.4% | 34.2% | ₹500 |
| SBI PSU Fund | PSU | 31.8% | 33.7% | ₹500 |
| HDFC Flexi Cap Fund | Flexi Cap | 24.5% | 30.2% | ₹100 |
| Parag Parikh Flexi Cap Fund | Flexi Cap | 22.7% | 23.9% | ₹1,000 |
Fund Categories Explained
Infrastructure Funds: Focus on infrastructure development companies, benefiting from government spending and economic growth
Mid Cap Funds: Invest in medium-sized companies with high growth potential, suitable for aggressive investors
PSU Funds: Target Public Sector Undertakings, gaining from government policies and reforms
Flexi Cap Funds: Provide diversified exposure across market capitalizations for balanced risk
How to Use the SIP Calculator
Step 1: Set Investment Parameters
- Monthly Amount: Choose between ₹500 to ₹1,00,000
- Investment Period: Select 1 to 40 years
- Expected Returns: Set realistic expectations (8-15% for equity funds)
Step 2: Choose Calculation Type
- Standard SIP: For consistent monthly investments
- Step-up SIP: For annual 10% increase in SIP amount
- Target-based: When you have a specific financial goal
Step 3: Analyze Results
The calculator displays:
- Total investment amount over the period
- Expected returns through compounding
- Final maturity value
- Wealth gained through SIP investing
Real Investment Examples
Example 1: Young Professional (Age 25)
- Monthly SIP: ₹5,000
- Investment Period: 10 years
- Expected Return: 12%
- Results: ₹6,00,000 invested becomes ₹11,20,179 (₹5,20,179 gains)
Example 2: Mid Career (Age 35)
- Monthly SIP: ₹10,000
- Investment Period: 15 years
- Expected Return: 15%
- Results: ₹18,00,000 invested becomes ₹61,63,656 (₹43,63,656 gains)
Example 3: Goal-Based Planning
- Target Amount: ₹50,00,000 (retirement corpus)
- Investment Period: 20 years
- Expected Return: 12%
- Required Monthly SIP: ₹5,436
Advanced Calculator Features
Step-up SIP Benefits
The step-up feature accounts for salary increments and inflation, significantly boosting long-term wealth:
- Starting SIP: ₹5,000
- 10% annual increase over 10 years
- Final monthly amount: ₹11,790
- Enhanced wealth accumulation compared to fixed SIP
