SIP Calculator
Instant results as you type.
₹
%
years
Fill in the values — results appear instantly.
For education and planning only. Your bank or lender’s actual figures can differ — fees, rounding, day-count conventions and local rules vary. Always confirm the final numbers with your provider before deciding.
A SIP calculator estimates what a monthly investment could grow to over time, based on an expected annual return. SIP — Systematic Investment Plan — means investing a fixed amount every month, which lets you benefit from compounding and rupee-cost averaging. Returns from market-linked investments aren't guaranteed, so treat the result as a projection for planning. It runs entirely in your browser.
How to use it
- Enter how much you'll invest each month.
- Enter an expected annual return and how many years you'll invest.
- See the projected value, the amount you'll have invested, and the estimated gains.
Examples
- ₹5,000/month at 12% for 10 years → about ₹11.6 lakh (₹6 lakh invested).
- ₹10,000/month at 12% for 20 years → roughly ₹1 crore.
Frequently asked questions
- How are SIP returns calculated?
- The calculator applies the future-value-of-a-series formula, compounding each monthly instalment at the monthly rate (annual return ÷ 12) until the end of the period. Because early instalments compound for longer, most of the final value in a long SIP is growth, not the amount you put in.
- Is 12% a realistic SIP return assumption?
- Equity mutual funds in India have historically averaged roughly 10–12% over long periods, but returns vary year to year and are never guaranteed. Use a conservative figure for planning and revisit it as markets change.
- SIP vs lump sum — which is better?
- A lump sum can win when markets rise steadily, but a SIP spreads your entry across many months, smoothing out the ups and downs. For most people investing from monthly income, a SIP is the practical and disciplined choice.
- Are SIP returns guaranteed?
- No. SIPs into mutual funds are market-linked, so the actual value can be higher or lower than any projection. This tool is for education and planning, not a promise of returns.