SIP Calculator
Calculate returns on your Systematic Investment Plan. See how small monthly investments grow over time with the power of compounding.
What is Files360 SIP Calculator?
Files360 SIP Calculator estimates mutual fund investment returns with interactive charts. Calculate SIP maturity value, wealth gained, and year-by-year growth with step-up SIP and lump sum comparison options.
How to Use Files360 SIP Calculator
Enter Monthly Investment
Input the amount you plan to invest monthly in your SIP (Systematic Investment Plan). Start with any amount.
Set Expected Return Rate
Enter the expected annual return rate for your mutual fund. Historical equity fund returns in India average 12-15%.
Choose Investment Period
Select your investment duration in years. Longer periods benefit more from compounding and rupee-cost averaging.
View Results & Charts
See your estimated maturity value, total invested amount, and wealth gained — displayed with interactive charts.
Try Step-up SIP
Enable step-up SIP to see how increasing your monthly investment by a fixed percentage annually accelerates wealth creation.
Key Features
SIP Returns Calculator
Calculate maturity value, total investment, and wealth gained from systematic monthly investments.
Interactive Charts
Visual charts show year-by-year growth, investment vs. returns breakdown, and compounding effects.
Step-up SIP
Model increasing monthly investments by a percentage each year to simulate salary-linked SIP growth.
Lump Sum Comparison
Compare SIP returns with lump sum investment to understand the benefits of rupee-cost averaging.
Compounding Projections
See how compound returns grow your investment exponentially over time.
No Financial Data Stored
Your investment data stays in your browser — we don't collect any financial information.
Files360 SIP Calculator is a financial planning tool that helps investors estimate returns on systematic investment plans in mutual funds. SIP is one of the most popular and disciplined investment strategies in India, allowing investors to build wealth through regular, small monthly contributions that benefit from rupee-cost averaging and compound growth.
The calculator models the power of compounding — showing how consistent monthly investments grow exponentially over time. A ₹5,000 monthly SIP at 12% annual returns grows to approximately ₹50 lakhs over 20 years, with only ₹12 lakhs invested. This dramatic wealth multiplication through compounding is why financial advisors recommend starting SIP early.
The step-up SIP feature models increasing your monthly contribution by a fixed percentage each year — typically aligned with salary increments. Even a 10% annual step-up significantly accelerates wealth creation compared to a flat SIP, as each increase compounds over the remaining investment period.
Interactive charts provide visual insights into investment growth, clearly showing the invested amount versus returns earned over time. The lump sum comparison feature helps investors understand the advantages of SIP's rupee-cost averaging over one-time investments, especially in volatile markets.
Frequently Asked Questions
💡 Tip: These tools work great together! Try combining them for your workflow.
💡 Tip: These tools work great together! Try combining them for your workflow.