SIP Calculator
Estimate how a monthly SIP in mutual funds could grow over time, with invested amount, estimated returns and a year-by-year growth chart.
Estimated value
₹11,61,695
Invested
₹6,00,000
Est. gain
₹5,61,695
Years
10
Enter how much you plan to invest every month.
Enter an expected yearly return — 10–12% is a common long-term assumption for equity funds.
Choose how many years you will keep investing.
How to use this tool
- Enter how much you plan to invest every month.
- Enter an expected yearly return — 10–12% is a common long-term assumption for equity funds.
- Choose how many years you will keep investing.
- See the invested amount, estimated gains and a year-by-year chart.
About SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month instead of a large lump sum. It builds discipline, and because you buy more units when prices are low and fewer when they are high, it smooths out market ups and downs over time — an effect often called rupee cost averaging.
This calculator uses the standard future-value formula for monthly investments made at the start of each month: FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i), where P is the monthly amount, i is the monthly rate and n is the number of months. The chart compares what you put in against the estimated value each year, so you can see compounding speed up in the later years.
Time matters more than amount. Starting ten years earlier with a smaller SIP often beats a larger SIP started late, because returns earn their own returns for longer. Try doubling the years instead of the amount to see the difference.
Real mutual fund returns are not fixed and can be negative in some years. Equity funds are best for goals five or more years away, while debt funds suit shorter horizons. Expense ratios, exit loads and taxes on capital gains are not included in these figures.
This tool is for education and planning only, not investment advice. Mutual fund investments are subject to market risks. Nothing you enter is stored or sent anywhere.
Examples
- ₹5,000 a month for 10 years at 12% → about ₹6 lakh invested growing to roughly ₹11.6 lakh.
- ₹2,000 a month for 25 years at 12% → about ₹6 lakh invested growing to roughly ₹38 lakh.