SIP Calculator
Project the future value of a Systematic Investment Plan — see how a fixed monthly contribution compounds over years.
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Ready when you are
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Why people invest a little every month
Timing the market is hard. Almost nobody does it well for long. A systematic investment plan sidesteps the whole problem: you put a fixed amount into a mutual fund every month, on the same date, no matter what the market is doing. Some months your money buys more units because prices dipped. Other months it buys fewer. Over years, that averaging tends to work in your favour.
This calculator shows where a monthly habit could land you. Feed it your monthly amount, an expected annual return, and how many years you plan to stay invested. It returns the projected corpus, the total you actually put in, and the growth on top.
The maths behind the projection
FV = P x (((1 + i)^n minus 1) divided by i) x (1 + i)
P is your monthly investment, n is the number of months, and i is the monthly return, which is the annual return divided by 12. The extra (1 + i) at the end assumes you invest at the start of each month.
What 5,000 a month can become
Put in 5,000 every month for 15 years and assume 12 percent a year. You contribute 9,00,000 in total. The projected corpus comes to roughly 25 lakh. So about 16 lakh of pure growth on 9 lakh invested. That gap is compounding doing the heavy lifting while you sleep.
Stretch it to 25 years at the same 5,000 and 12 percent, and the picture changes shape entirely. Contributions reach 15 lakh, but the corpus climbs past 94 lakh. The last ten years add more than the first fifteen. That is the quiet, slightly unfair power of staying invested longer.
Read the projection honestly
A SIP calculator assumes one steady return. Real markets do not move in straight lines. Keep these in mind:
- The 12 percent figure is a long-run equity assumption, not a promise. Some years you will see 25 percent, others you will be down 15. The average only shows up if you stay the course.
- Step up your SIP as your income grows. Raising 5,000 by even 10 percent a year can lift your final corpus dramatically.
- Equity SIPs reward patience, so they suit goals five years out or more. For a goal two years away, a SIP in a volatile fund can burn you at exactly the wrong moment.
The number this tool shows is a well-reasoned estimate, not a guarantee. Treat it as a planning compass, and let the monthly discipline do the rest.
SIP Calculator — frequently asked questions
What return should I assume for a SIP?
For equity mutual funds, many investors plan with 10 to 12 percent a year over the long run, based on past index behaviour. Debt funds are lower, usually 6 to 8 percent. These are assumptions, not guarantees. Markets swing widely year to year, and the long-term average only appears if you stay invested through the rough patches.
Is SIP better than investing a lump sum?
It depends on what you have. A SIP suits salaried investors with monthly surplus, and it smooths out market timing risk by spreading purchases across high and low points. A lump sum can do better when markets are low and you invest at the right moment, but that timing is hard to get right. Most people find a SIP easier to stick with.
Can I lose money in a SIP?
Yes, especially in the short term. A SIP is just a way of buying mutual fund units, and equity funds rise and fall with the market. If you redeem during a downturn, you can book a loss. The averaging helps over five years or more, but a SIP is not a fixed-return product like an FD.
What is a step-up SIP?
A step-up SIP raises your monthly amount by a set percentage each year, often 10 percent, to keep pace with your rising income. The effect on the final corpus is large because the extra money compounds for years. Starting at 5,000 and stepping up 10 percent yearly can beat a flat SIP by a wide margin over two decades.
How long should I stay invested in a SIP?
For equity SIPs, think in terms of five years at the very least, and ideally ten or more. Compounding does most of its work in the later years, so cutting a SIP short throws away its best phase. For goals under three years away, a safer debt option usually fits better than a volatile equity fund.
Do SIP returns get taxed?
Yes. Each SIP instalment is treated as a separate purchase for tax. Gains on equity funds held over a year are long-term and taxed at a concessional rate above an annual exemption, while units sold within a year face higher short-term tax. Debt fund taxation differs. Check the current rules for your fund type before you redeem.
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Results from this calculator are estimates for informational use only — not financial, medical, or professional advice. Read our full disclaimer before acting on any number you see here.