SIP calculator
See what your monthly SIP could grow into. Enter the amount, an expected return and a time period to project your maturity value, the wealth your money earns, and a year-by-year growth curve.
SIP details
Tweak the numbers — results update live
₹12L
Invested
your money in
₹11.23L
Est. returns
wealth gained
1.94×
Wealth ratio
value ÷ invested
How your wealth grows
Invested vs projected value, year by year
Invested vs returns
What you put in vs what it earns
- Invested₹12L
- Est. returns₹11.23L
Projected value
₹23,23,391
The power of SIP
Small amounts, compounded for years
A SIP turns discipline into wealth. By investing the same amount every month, you ride out market swings and let compounding do the heavy lifting. The longer you stay invested, the more the returns themselves start earning returns.
- 1
Invest monthly
A fixed amount goes in every month, automatically — no market timing, no second-guessing.
- 2
Average your cost
You buy more units when prices fall and fewer when they rise, smoothing out volatility.
- 3
Compound the returns
Returns are reinvested and start earning their own returns — the curve steepens over time.
- 4
Stay the course
The biggest gains come in the later years. Time in the market beats timing the market.
Questions
Frequently asked
What is a SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in a mutual fund at regular intervals — usually monthly. Each instalment buys units at the prevailing price, so you accumulate more units when markets are low and fewer when they are high. Over time this rupee-cost averaging, combined with compounding, can build substantial wealth from modest monthly amounts.
How is SIP maturity calculated?
This calculator uses the standard future-value-of-an-annuity-due formula, compounded monthly: each monthly investment is assumed to be made at the start of the month and earns that month’s return. The maturity value is the sum of every instalment plus the returns each has earned by the end of the horizon. Change the amount, return or period and the projection updates instantly.
What return should I assume for a SIP?
Returns depend on the fund. Historically, diversified Indian equity funds have delivered roughly 10–14% per annum over long horizons, debt funds 6–8%, and hybrid funds in between. These are not guaranteed — markets fluctuate. Use a conservative figure (e.g. 12% for equity) and remember the calculator shows a projection, not a promise.
Is SIP better than a lumpsum investment?
They serve different needs. A SIP suits regular savers and smooths out market timing through rupee-cost averaging. A lumpsum can do better when you have a large amount ready and markets subsequently rise. Many investors use both. Compare the two with our lumpsum calculator to see how the same money behaves invested all at once.
Can I increase my SIP every year?
Yes — that’s a step-up (or top-up) SIP, where you raise the monthly amount each year, often in line with your salary growth. Stepping up dramatically increases the final corpus. Use our step-up SIP calculator to see how much extra wealth a yearly increase can build.
Are SIP returns taxed?
Yes. For equity funds, gains are tax-free up to ₹1.25 lakh a year; above that, long-term capital gains (held over 1 year) are taxed at 12.5% and short-term at 20%. Debt-fund gains are taxed at your slab rate. Each SIP instalment has its own holding period, which matters when you redeem. Tax rules can change, so confirm current rates before redeeming.