SIP Calculator
See what a monthly SIP could grow to. Move the sliders to match your plan and watch the invested amount and the returns split out.
What is SIP?
A Systematic Investment Plan, or SIP, is investing a fixed amount every month instead of one lump sum. You buy more units when prices are low and fewer when they are high, which averages out your cost over time.
This calculator shows the future value of those monthly investments at a return you choose, and splits the total into what you put in and what the growth added.
How it's calculated
The calculator compounds each monthly instalment to the end of the period. It uses the standard SIP formula FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount and n is the number of months. The monthly rate i is the twelfth root of the annual return, (1 + r)^(1÷12) − 1, so the return you type is the return you actually get for the year, not more. Returns are the projected value minus what you invested.
An example
Invest ₹10,000 a month for 10 years at 12% a year and you would put in ₹12 lakh. The projection comes to about ₹22.4 lakh, roughly ₹10.4 lakh of that is growth.
Questions people ask
What return should I assume?
Nobody can promise a number. Equity funds in India have historically returned around 11-13% over long periods, but the past is not a guarantee. Try a range and see how sensitive the result is.
Is the projected amount guaranteed?
No. Markets move, and the real return will differ from any single number you enter. Treat the figure as a planning estimate, not a promise.
Should I increase my SIP over time?
Raising your SIP as your income grows can lift the final amount a lot. Our step-up SIP calculator shows the difference.
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