SIP Calculator

Small monthly amounts, serious corpus.

A Systematic Investment Plan (SIP) invests a fixed amount every month, so you buy more units when prices dip and fewer when they rise. Project the future value of a monthly SIP or a one-time lumpsum, or reverse-solve the monthly amount a goal needs.

Monthly SIP & lumpsum Annual step-up SIP Goal → required SIP

A projection tool for understanding growth — not a forecast. Mutual fund returns are market-linked and not guaranteed.

SIP calculator Growth maths
₹
SIPs commonly start from ₹100–₹500 per month
Annual step-up (optional)
E.g. 10% — raise the monthly amount each year as income grows
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The three modes

Project forward, or work backward from a goal

Monthly SIP

Enter a monthly amount, expected annual return and duration to see the projected corpus, total invested and wealth gained — with an optional annual step-up.

Lumpsum

Have a one-time amount instead? See what it compounds to over the same period, and compare it with a monthly SIP of similar total outlay.

Goal → SIP

Start with the target — ₹25 lakh for education, ₹1 crore for retirement — and reverse-solve the monthly SIP needed to get there in your timeframe.

SIP future value = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where P is the monthly instalment, i is the monthly rate (annual ÷ 12) and n is the number of instalments. Each instalment is assumed to be invested at the start of the month.
Why SIPs work

What does a SIP actually do for you?

A SIP automates two things most investors struggle with: discipline and timing. Because the same amount goes in every month regardless of market mood, you buy more units when prices fall and fewer when they rise — rupee-cost averaging — and you never sit out waiting for the "right" entry. Over long periods, the compounding on those regular instalments usually dwarfs the instalments themselves.

Rupee-cost averaging

A fixed rupee amount buys more units at lower NAVs and fewer at higher NAVs, smoothing your average purchase cost across market cycles.

Time in the market

Starting early matters more than starting big. ₹5,000/month for 20 years at 12% builds roughly ₹50 lakh — about ₹12 lakh of it your money, the rest growth.

Step-up power

Raising the SIP 10% a year as income grows can add 40–60% to the final corpus versus a flat SIP — the step-up option above shows exactly how much.

Ready reckoner

What a monthly SIP grows to at 12% p.a.

Monthly SIP5 years10 years15 years20 years
₹1,000 / month₹82,486₹2,32,339₹5,04,576₹9,99,148
₹2,500 / month₹2,06,215₹5,80,848₹12,61,441₹24,97,870
₹5,000 / month₹4,12,432₹11,61,695₹25,22,880₹49,95,740
₹10,000 / month₹8,24,864₹23,23,391₹50,45,760₹99,91,479
₹25,000 / month₹20,62,159₹58,08,477₹1,26,14,400₹2,49,78,698

Assumes 12% annual return compounded monthly, instalments at the start of each month, before expense ratio, exit load and taxes. Actual mutual fund returns vary year to year; these figures are illustrative mathematics, not projected or promised returns.

Investing and trading are two different games

A SIP compounds quietly for years; a trade settles tomorrow with charges on both sides. If you also trade, know your real costs first.

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FAQ

SIP questions, answered

A Systematic Investment Plan (SIP) is a way of investing in mutual funds where a fixed amount is auto-debited at a regular interval — usually monthly — and used to buy fund units at that day's NAV. It is a method of investing, not a product in itself.
No. The calculator applies a single assumed rate evenly across the whole period, which real markets never do. Equity fund returns vary widely year to year; the "expected return" is your assumption, and the output is only as good as that assumption. This tool is for education and estimation, not advice.
There is no official number. Many investors test scenarios between roughly 8% and 14% p.a. for equity funds and lower for debt funds, then look at the range of outcomes rather than one figure. Try a conservative and an optimistic rate and plan around the conservative one.
A step-up SIP increases the monthly instalment by a fixed percentage every year — say 10% — so your investment grows with your income. Because the larger instalments also get years to compound, even a modest step-up meaningfully lifts the final corpus. Use the "Annual step-up" option in the SIP tab to see the difference.
Mathematically, a lumpsum invested at the start earns returns on the full amount for the whole period, so in a steadily rising market it ends higher. But most people don't have the lumpsum upfront, and a SIP removes the timing decision entirely while averaging your entry cost through volatile stretches. The two tabs above let you compare both with the same assumptions.
No. Results are gross of the fund's expense ratio (though NAV-based returns you see published are already net of it), any exit load, and capital gains tax. Equity fund gains held over a year are currently taxed as long-term capital gains above the exempt limit — check current rates before planning withdrawals.
Yes. SIPs are flexible — you can pause, stop, increase or decrease them with your fund house or platform, usually without penalty (exit load may apply to redemptions, not to stopping the SIP). Stopping the SIP does not redeem the units you already hold.