SIP Calculator — plan your monthly mutual fund investment
Find out how much wealth your Systematic Investment Plan will build. Enter monthly amount, expected return, and duration. Free, instant, India-ready.
Inputs
Result
Composition
Year-by-year growth
About the SIP Calculator
A SIP (Systematic Investment Plan) is the single most popular way for Indian retail investors to build wealth — ₹27,000+ crore flows into Indian equity mutual funds every month through SIPs alone, and that figure has roughly doubled in the last four years. The reason is simple: SIPs convert investing from a one-time decision into a recurring habit, removing the two biggest enemies of returns — market timing and procrastination.
This calculator uses the standard SIP future-value formula: FV = P × [(1+r)^n − 1] / r × (1+r), where P is your monthly amount, r is the monthly rate, and n is the number of months. It assumes you invest at the start of each month, which is how most Indian AMCs process auto-debit SIPs (the 1st, 5th, 7th, 10th, 15th, 20th, or 25th are typical SIP debit dates).
The most counterintuitive insight from running this calculator is how heavily long-tenure SIPs are loaded toward the back end. In a 20-year SIP at 12%, more than 60% of your final corpus comes from gains in the last 7 years alone — even though the contributions are spread evenly. This is why financial advisors hammer the message of 'time in the market beats timing the market.' Stopping a SIP after 5 years to wait for a correction is mathematically one of the worst decisions a retail investor can make.
Use it to set realistic goals: ₹10,000/month at 12% for 20 years becomes ₹99.9 lakh. Double it to ₹20,000/month and you cross ₹2 crore — a comfortable retirement corpus for most Indian middle-class households. ₹5,000/month for 30 years at 12% delivers ₹1.76 crore, so even a modest SIP started in your mid-twenties produces a serious retirement number by age 55. Pair this with a step-up SIP (annual hike of 10%) and the same starting amount can produce a 50–70% larger corpus.
What this calculator does not model: short-term volatility, tax (12.5% LTCG above ₹1.25L/year on equity MFs), exit loads (typically 1% if redeemed under 1 year), expense ratios (active funds: 0.5–2%; index funds: 0.05–0.30%), or sequence-of-return risk. Treat the projected number as a long-run average, not a guarantee. The Sensex has delivered ~14% CAGR since 1979, but individual 5-year windows have ranged from −5% to +35%. SIPs work because of, not despite, that volatility.