SIP Calculator
How this SIP calculator works
Enter your monthly SIP amount, the return you expect each year and the number of years. The calculator assumes investment at the start of each month and monthly compounding.
SIP formula
Future value = P × [((1+r)n − 1) ÷ r] × (1+r), where P is the monthly amount, r the monthly return and n the number of months.
Example
₹10,000 a month for 15 years at 12% grows to about ₹50 lakh, on ₹18 lakh invested.
Worked example: why starting early matters
At 12% a year, ₹5,000 a month for 10 years grows to about ₹11.6 lakh on ₹6 lakh invested. ₹10,000 a month for 10 years becomes about ₹23.2 lakh. Stretch that ₹10,000 SIP to 15 years and it becomes about ₹50.5 lakh on ₹18 lakh invested. Five extra years added 50% more money but more than doubled the final value, because of compounding.
Tips for SIP investors
- Start with an amount you can keep paying every month, even in a bad year. Consistency matters more than size.
- Increase your SIP when your income rises. Even a small yearly increase adds up over time.
- Match the fund type to your goal. Equity funds suit goals 7 or more years away. Debt funds suit shorter goals.
- Do not stop your SIP in a falling market. Falling prices let you buy more units for the same amount.
What this calculator does not include
It does not include fund expense ratios, exit loads, taxes or yearly step-ups. It also assumes a steady return, while real markets go up and down. Treat the result as a planning estimate, not a promise.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market. The rate you enter is an assumption, not a promise.
What is a good SIP duration?
Longer periods, usually 7 years or more, help smooth out market ups and downs.
What return should I assume?
Use a conservative number. Many planners test 10-12% for equity funds. Try several values to see the range, not one answer.
Can I change my SIP amount later?
Most mutual fund companies let you pause, stop or start a new SIP at any time. Check the terms of your fund.