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SIP Calculator

Project how your monthly mutual fund SIP could grow over time with compounding. Adjust any input below and your results update instantly.

Your details

Adjust the inputs below and your results update instantly.

Monthly investment (₹)*

How much you invest every month. This is usually the single biggest lever on your final corpus.

₹500₹2L

e.g. ₹15,000/mo split across index funds

Investment duration (years)*

How long you plan to keep investing. Time in the market matters more than timing it.

140

e.g. 15 years for a mid-term goal

Expected return (%)*

The annual return you expect on your investments. Equity-heavy mutual funds in India are often modelled at 10-12%.

4%18%

e.g. 12% for a mostly-equity portfolio

How these compare

vs. typical India long-term ranges

Expected return: 12%

India long-term equity avg: 10–13%

Typical

These are example numbers. Edit any input on the left to see your own.

Your SIP could grow to

₹74.94 L

2.8x your total investment

Total invested

₹27.00 L

Wealth gained

₹47.94 L

Portfolio value vs. invested

Portfolio valueAmount invested

Year-by-year breakdown

"% is growth" shows how much of that year’s portfolio value is compounding gains rather than your own contributions.

YearPortfolio valueAmount investedStatus

1₹1.90 L₹1.80 L

1.1x invested

5% is growth

3₹6.46 L₹5.40 L

1.2x invested

16% is growth

5₹12.25 L₹9.00 L

1.4x invested

27% is growth

7₹19.60 L₹12.60 L

1.6x invested

36% is growth

9₹28.93 L₹16.20 L

1.8x invested

44% is growth

11₹40.78 L₹19.80 L

2.1x invested

51% is growth

13₹55.83 L₹23.40 L

2.4x invested

58% is growth

15₹74.94 L₹27.00 L

2.8x invested

64% is growth

Compare scenarios

See how small changes move your maturity value.

Your plan

₹15,000/mo · 15y · 12%

₹74.94 L

Maturity value

Baseline

Return +2%

₹15,000/mo · 15y · 14%

₹90.87 L

Maturity value

+₹15.93 L

+5 years

₹15,000/mo · 20y · 12%

₹1.48 Cr

Maturity value

+₹73.45 L

Worked example, using your numbers

A step-by-step walkthrough of how your inputs become your maturity value.

Step 1 · Monthly rate

Your 12% annual return converts to a monthly compounding rate of

1.00%

Step 2 · Total invested

Investing ₹15,000/mo for 15 years, you contribute a total of

₹27.00 L

Step 3 · Maturity value

Compounding monthly at 1.00%, your investment grows to

₹74.94 L

✓

Of your final corpus, 64% (₹47.94 L) is pure investment growth, the power of compounding.

Personalised insights

What your numbers reveal, and what changing them would do.

64% of your maturity value is pure investment growth

₹27.00 L invested grows to ₹74.94 L, and ₹47.94 L of that is compounding gains.

+20% SIP grows your corpus by ₹14.99 L

Raising your monthly investment to ₹18,000 moves your maturity value to ₹89.92 L.

Investing 5 more years adds ₹73.45 L

Staying invested for 20 years instead of 15 grows your corpus to ₹1.48 Cr.

+2% return adds ₹15.93 L to your corpus

At 14% instead of 12%, your maturity value becomes ₹90.87 L.

How this is calculated

Every step of the math behind your result, shown in the open.

Converting to a monthly rate

r = expected annual return, r_m = monthly rate

Your expected annual return (r) is converted to a monthly rate (r_m), since your SIP compounds every month, not once a year.

Example: 12% ÷ 12 → 1.00% monthly rate

Projecting your SIP's future value

P = monthly investment, n = number of months, FV = future value

Each monthly instalment (P) compounds at the monthly rate (r_m) for the months remaining until the end; summed across all n instalments, this gives your future value.

Example: ₹15,000/mo for 180 months at 1.00%/mo → ₹74.94 L

Estimating your wealth gained

P × n = total amount invested

Your total contribution (P × n) is subtracted from the future value (FV) to show how much of your final corpus is pure investment growth.

Example: ₹74.94 L − ₹27.00 L invested → ₹47.94 L gained

Assumptions

Your monthly investment stays constant across the full duration, with no step-up.
Returns compound monthly at a constant rate, rather than fluctuating year to year.
Figures are indicative and pre-tax, not financial advice.

Understanding SIP

The concept, the motivation, and what to watch out for.

What is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount into a mutual fund every month instead of all at once, so your investment builds gradually alongside your income.

Because you invest at regular intervals regardless of market conditions, a SIP averages out your purchase cost over time. You buy more units when prices are low and fewer when they're high. This SIP Calculator projects that compounding effect using your own monthly amount, return assumption, and duration.

Time matters more than timing

Starting early has a bigger impact on your final corpus than trying to time the market perfectly. Compounding needs years to really show its effect.

Returns are never a straight line

Markets go up and down along the way; the 'expected return' here is a long-term average, not a promise of what happens every single year.

Discipline matters more than the number

The maturity value above assumes you invest every month without pausing, including during market dips, when it's tempting to stop. Skipping months is what usually derails a SIP, not the returns themselves.

Did you know?

A few facts behind SIPs and compounding.

The Rule of 72

Divide 72 by your expected return to estimate doubling time. At 12% a year, your SIP's value roughly doubles every 6 years.

RCA

Rupee cost averaging

Investing the same amount every month means you automatically buy more units when prices dip and fewer when they're expensive.

'92

SIPs are decades old in India

Systematic investment plans have been offered by Indian mutual funds since the early 1990s, long before they became a mainstream way to invest.

10y

The last few years often matter most

Because compounding accelerates over time, a large share of a long SIP's total growth typically happens in its final several years.

Frequently asked questions

Straight answers to the questions we hear most about SIPs.

What is a SIP?

A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund at regular intervals (usually monthly) instead of investing a lump sum all at once. This SIP Calculator projects exactly that kind of investment's growth using your own numbers.

How is a SIP different from a lumpsum investment?

A SIP spreads your investment across many purchase dates, averaging your cost over time. A lumpsum invests everything on day one, which can do better or worse depending purely on market timing.

What return should I assume?

Equity-heavy mutual funds in India have historically averaged 10-12% annually over the long term, though actual returns vary year to year and are never guaranteed.

Can I pause or stop my SIP?

Yes, SIPs are flexible: you can pause, stop, or change the amount at any time through your mutual fund platform. This calculator assumes a constant monthly amount throughout.

Does this account for taxes or fund expenses?

No, figures here are indicative and pre-tax. Actual returns will be reduced by fund expense ratios and any applicable capital gains tax on withdrawal.

Is this financial advice?

No. This tool provides indicative estimates based on your assumptions. Consult a certified financial advisor before making investment decisions.