SIP Calculator
See what your monthly mutual-fund SIP could grow to over time.
About the SIP Calculator
A SIP (Systematic Investment Plan) invests a fixed amount into a mutual fund every month, buying more units when prices are low and fewer when they're high. It is the most popular way to invest in equity funds in India because it needs no timing decisions and builds discipline. This calculator shows what a monthly SIP could grow to: enter the amount, an expected annual return, and the number of years, and you get the projected corpus, the total you'll have put in, and the estimated gain.
The projection uses the standard SIP future-value formula — FV = A × ((1 + i)ⁿ − 1) ÷ i × (1 + i) — where A is the monthly amount, i the monthly rate and n the number of instalments. The power of it is compounding: a ₹10,000 monthly SIP at 12% grows to about ₹50 lakh in 15 years, of which only ₹18 lakh is your own money. Stretch it to 25 years and the corpus is roughly ₹1.9 crore — time in the market matters far more than the amount.
Treat the expected-return field honestly: equity funds have historically delivered 10–14% over long periods, but returns are not guaranteed and vary year to year. Run the calculation at 10% and 12% to see a realistic band rather than a single number. Nothing you enter is stored.
Frequently asked questions
- What return should I assume for a SIP?
- For long-term equity funds, 10–12% a year is a commonly used planning assumption based on historical index returns. Debt funds are usually assumed at 6–8%. Actual returns vary and are not guaranteed — test a range.
- Is SIP better than a one-time lump sum?
- A SIP spreads your entry across market highs and lows (rupee-cost averaging) and suits monthly earners. A lump sum can do better if invested at a market low, but that requires timing. For most salaried investors, SIP is the practical choice.
- Does the calculator account for inflation or tax?
- No — the corpus shown is pre-tax and in future rupees. Equity fund gains above ₹1.25 lakh a year attract LTCG tax at 12.5% currently. Consider both when setting targets.
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