SIP Calculator
A SIP calculator shows you what a monthly mutual fund investment can grow into over time, when returns compound year after year. Pick the amount you can spare each month, an expected return, and how many years you'll stay invested — we'll show you the wealth you're likely to build, the money you actually put in, and the gain made by compounding. Free and instant.
Adjust Parameters
₹6,00,000
Total Invested
₹5,61,695
Est. Returns
₹11,61,695
Total Value
Growth Over Time
Returns shown are estimated based on your input. Actual returns may vary. Mutual fund investments are subject to market risks.
Need Guidance?
Our experts will suggest the right fund for your SIP.
SIP Tips
- → Increase your SIP by 10% every year
- → Stay invested through market dips
- → Expert guidance helps you stay on track during market volatility
- → Diversify across 2–3 fund categories
How a SIP calculator works
A Systematic Investment Plan, or SIP, is the discipline of investing a fixed amount in a mutual fund every month — usually on the same date. Each instalment earns compound returns from the day it's invested, and every subsequent instalment adds to a growing base. The maths behind it is the standard future-value-of-annuity formula:
where P is the monthly SIP, r is the monthly rate (annual rate ÷ 12), and n is the number of months.
Worked example
A ₹10,000 monthly SIP for 15 years at an expected 12% annual return invests ₹18 lakh in total but is projected to grow to ₹50.5 lakh — the extra ₹32.5 lakh is the compounding kicker. Doubling the tenure to 30 years invests ₹36 lakh but the projected corpus jumps to ₹3.5 crore. Time, not amount, does the heavy lifting.
When to use this versus our other tools
Use the basic SIP calculator when you want a quick what-if at an assumed return rate. When you want to know what a SIP actually would have done in a real fund, use the Real NAV backtest tab above — it walks the actual daily NAV history and shows the true XIRR, not an assumption. If you plan to step up your contribution every year as your salary grows, use the Step-Up SIP calculator.
Frequently Asked Questions
Is the projected amount guaranteed?▾
No. Mutual fund returns vary year to year. The number is a mathematical projection at the rate you entered, not a promise.
What return rate should I use?▾
For a long-horizon equity SIP, 11–13% is a reasonable historical reference. For debt funds, 6–8%. Hybrid sits in between.
Does the calculator account for taxes?▾
No. Equity SIPs held over 12 months attract 12.5% LTCG tax above ₹1.25 lakh of gains per year (FY 2025-26 rule).
Monthly vs quarterly SIP — does it matter?▾
Monthly compounds more often, but the difference over 10 years is usually under 1%.
What if I miss a SIP?▾
Most fund houses don't penalise a missed instalment. Just continue the next month. Long-term, missing 1–2 instalments has negligible impact.
Can I change the amount mid-way?▾
Yes — most platforms allow modifying or pausing a SIP without exiting. A Step-Up SIP automates this.
Is the SIP date important?▾
No statistically meaningful difference between the 1st and the 15th. Pick whichever follows your salary date.