SIP Calculator

A SIP calculator projects how a fixed monthly mutual-fund investment grows over time, using the standard SIP future-value formula with monthly compounding.

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.