SIP Calculator
See how much your monthly SIP can grow into with the power of compounding.
Mutual Fund • Monthly SIPMutual fund returns are not guaranteed. This calculator shows an estimate assuming a fixed yearly return, compounded monthly.
A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month, even ₹500 or ₹1,000. Over many years, small monthly amounts can grow into a meaningful sum because returns start earning returns of their own. That is the power of compounding, and it is much easier to understand when you see the numbers.
This free SIP calculator shows an estimate of how much your monthly SIP could grow to, how much you will actually invest, and how much could be gain. It takes about 30 seconds and works on any phone.
How to use the SIP calculator
- Enter your monthly investment amount.
- Enter the yearly return you expect. Keep it realistic.
- Enter how many years you plan to keep investing.
- Tap Calculate to see the estimated value, your total investment and the estimated gain.
How the SIP value is calculated
Future value = P × [((1 + i)n − 1) ÷ i] × (1 + i)
- P = monthly SIP amount
- i = monthly return (yearly return ÷ 12 ÷ 100)
- n = number of months
The formula assumes the same return every month. Real mutual fund returns go up and down, so treat the result as a rough guide, not a promise.
A worked example
Suppose you invest ₹3,000 every month and assume 12% a year. After 10 years the estimated value is about ₹6,97,017. After 15 years it is about ₹15,13,728, and after 20 years about ₹29,97,444.
Notice that going from 15 to 20 years adds only ₹1,80,000 of your own money, but the estimated value rises by about ₹14,83,716. Starting early and staying invested usually matters more than the amount you start with.
Tips for SIP investors
- Start with an amount you can continue even in a tight month. Stopping and restarting breaks the compounding.
- Increase your SIP a little every year when your income goes up.
- Do not stop your SIP just because the market falls. Falling prices mean you buy more units for the same amount.
- Check the fund type, expense ratio and risk level, or speak to a SEBI-registered adviser before investing.
Frequently asked questions
What return should I assume?
Many people use 10–12% for equity funds over long periods and 6–8% for debt funds. These are only assumptions; past returns do not guarantee future returns.
Is tax included?
No. The result is before tax and exit load. Tax on mutual fund gains depends on the fund type and how long you hold it.
Is SIP better than FD?
They serve different needs. An FD gives a fixed, guaranteed return. An equity SIP can grow more over the long term but carries market risk. Many people keep both.
Can I change or stop my SIP?
Yes. Most funds let you pause, change or stop a SIP online. The calculator simply helps you plan.
Mutual fund investments are subject to market risks. This calculator gives an estimate only and is not investment advice.
