SIP Calculator
See how a monthly mutual fund SIP can grow over time, and how much of your final corpus is pure compounding magic.
Grow your wealth with SIP
Drag the sliders to adjust
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals, usually every month. Instead of timing the market, you invest steadily, buying more units when prices are low and fewer when they are high, a concept known as rupee-cost averaging.
The real power of a SIP comes from compounding: your returns start earning returns of their own. Over long periods, even a modest monthly amount can grow into a substantial corpus, with the gains often exceeding the total amount you invested.
The SIP formula
FV = M × [ ((1 + i)n − 1) ÷ i ] × (1 + i)
where M = monthly investment, i = monthly return (annual rate ÷ 12 ÷ 100), and n = number of months.
The power of starting early
A ₹10,000 monthly SIP at an assumed 12% annual return grows dramatically the longer you stay invested, because compounding does most of the heavy lifting in the later years.
| Duration | Invested | Approx. value |
|---|---|---|
| 5 years | ₹6,00,000 | ₹8.2 lakh |
| 10 years | ₹12,00,000 | ₹23.2 lakh |
| 20 years | ₹24,00,000 | ₹99.9 lakh |
| 25 years | ₹30,00,000 | ₹1.9 crore |
Illustrative figures at 12% p.a. assumed return. Actual returns vary with the market.
Why invest through a SIP?
Disciplined, automatic investing that suits every kind of investor.
Power of compounding
Your returns earn their own returns. The longer you stay invested, the more your money snowballs.
Rupee-cost averaging
You buy more units when markets dip and fewer when they rise, smoothing out volatility over time.
Easy & disciplined
Automatic monthly investing builds a habit and removes the urge to time the market.
Small steps, big corpus
You do not need a large sum to start. A modest monthly SIP, kept up consistently and increased as your income grows, can build serious wealth over the years. Use the calculator above to see your numbers.
- More years means dramatically more compounding.
- Small monthly amounts are easy to sustain and add up big.
- A step-up SIP raises your investment as your salary grows.
- Stay invested through ups and downs for the best results.
Mutual fund investments are subject to market risks. Returns shown are estimates based on an assumed constant rate and are not guaranteed. Please read all scheme-related documents carefully.
SIP Calculator FAQs
It uses the future value of a recurring investment: FV = M × [((1+i)^n − 1) / i] × (1+i), where M is the monthly amount, i is the monthly return, and n is the number of months. The calculator applies this as you adjust the sliders.
Long-term equity mutual funds in India have historically returned roughly 10–12% per year, but this varies with markets and is never guaranteed. Use a conservative figure for safer planning.
No. SIPs invest in market-linked mutual funds, so the actual value fluctuates. The calculator provides an estimate assuming a steady rate of return.
Yes. Many investors use a step-up SIP, increasing the monthly amount each year as income grows, which significantly boosts the final corpus.
A SIP invests a fixed amount regularly and averages out market highs and lows, while a lump sum puts the entire amount in at once. SIPs suit salaried investors and reduce the risk of investing at the wrong time.
Yes, SIPs are flexible. You can pause, stop, increase or redeem at any time. That said, staying invested for the long term generally gives the best compounding results.
Yes. Gains from equity funds held over a year are taxed as long-term capital gains beyond an annual exemption, and short-term gains are taxed at a higher rate. Tax rules change over time, so check the latest norms or consult an advisor.
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