SIP Calculator

The SIP Calculator projects the future value of a Systematic Investment Plan in mutual funds — the single most popular way Indian investors build long-term wealth. Enter the amount you plan to invest each month, the expected annual return, and the number of years you'll stay invested. The tool compounds contributions monthly and returns the total amount invested, the estimated returns generated, and the final maturity corpus. A SIP works by buying a fixed rupee amount of a mutual fund on the same date each month. When the market is down, your fixed amount buys more units; when it's up, it buys fewer. Over long horizons, this rupee-cost averaging smooths out volatility and turns market dips from a source of anxiety into an opportunity. Combined with compounding, it produces surprisingly large corpuses from modest monthly contributions — a ₹10,000/month SIP at 12% for 25 years grows to over ₹1.9 crore, of which only ₹30 lakh is your own contribution. What return should you assume? Historically, Indian equity mutual funds have delivered 10–14% annualised over 10+ year periods. For conservative planning, use 10%. For a base case, use 12%. Anything above 14% is optimistic and shouldn't be relied on for goals like retirement, children's education, or a home down payment. Debt fund SIPs deliver 6–8%; hybrid funds sit between the two. Your projection is only as realistic as your return assumption — err on the side of caution. Time is the SIP's most powerful lever. A ₹5,000/month SIP for 30 years at 12% ends at roughly ₹1.7 crore. The same ₹5,000/month for 20 years ends at only ₹50 lakh — one-third the value for two-thirds the duration, because the last decade is where compounding really accelerates. Start early and stay invested through market cycles; a SIP that panics out during a crash loses the whole game. Consider a step-up SIP where you increase the monthly amount by 10% each year to keep pace with salary hikes. A 10% annual step-up on the same ₹10,000/12%/25-year plan pushes the corpus past ₹3.5 crore — nearly double the flat SIP result. Model it by rerunning the calculator with increased amounts every few years. Everything runs locally in your browser. Combine this tool with the Compound Interest Calculator to see how one-time lump sums grow, the FD Calculator for the debt-side comparison, and the Stock Average Calculator if you're also buying individual stocks. Read our SIP investment guide for realistic projections at ₹1k, ₹5k, and ₹10k monthly plans.