What return should I assume?

Indian equity mutual funds have historically delivered 11–13% CAGR over 10+ year horizons. Debt funds sit around 6–8%. Use 12% as a reasonable mid-point for equity SIPs; go lower (8–10%) if you want a conservative projection.

What is compound interest?

Compound interest is interest earned on both the principal and on the interest accumulated from previous periods. Over long horizons this creates exponential growth, which is why early investing matters so much.

Is SIP better than a lumpsum?

SIPs win when markets are volatile or declining — you average your cost. Lumpsums win when markets are rising steadily. Most retail investors don't have a lump sum lying around, so SIPs are practically more useful for wealth-building from salary.

Can I increase my SIP amount over time?

Yes — it's called a step-up SIP. Most AMCs let you auto-increase your SIP by a fixed amount or percentage every year, ideally matching your salary hike. Our Step-up SIP Calculator shows the difference.

All calculators

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

Monthly investment₹10,000

₹500₹2.00 L

Expected return (p.a.)12%

130

Investment period10 yrs

140

Result

Future value

₹23.23 L

Total invested

₹12.00 L

Wealth gained

₹11.23 L

Composition

Invested

Returns

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.

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.

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.

SIP — Frequently asked questions

A Systematic Investment Plan lets you invest a fixed amount in a mutual fund at regular intervals (usually monthly). You get rupee-cost averaging — you buy more units when prices are low and fewer when they're high — smoothing out market volatility.

Related calculators

Step-up SIP Calculator

See how much more wealth you build when your SIP grows every year. Perfect for matching salary hikes. Compare with flat SIP instantly.

Lumpsum Calculator

Calculate the future value of a one-time lumpsum investment. Enter principal, expected return, and duration. Instant wealth projection.

SWP Calculator

Plan regular monthly withdrawals from your invested corpus while it continues to earn. See how long your retirement money will last.

Retirement Calculator

Plan your retirement corpus and monthly SIP needed to get there. Accounts for inflation, pre- and post-retirement returns.