SIP Calculator
See how your monthly investments could grow over time with compounding.
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund on a set date each month. Each instalment buys units at that day's net asset value (NAV), so you buy more units when the NAV is low and fewer when it is high. Over time this averages out your purchase cost — "rupee-cost averaging" — and it removes the need to guess the right moment to invest.
An illustration with made-up NAVs: ₹5,000 invested at each of four NAVs (₹50, ₹40, ₹25, and ₹50) buys 100, 125, 200, and 100 units, so ₹20,000 buys 525 units. Your average cost is ₹20,000 ÷ 525, about ₹38.10 a unit, which is lower than the simple average NAV of ₹41.25 because more units were bought when the price was low. Rupee-cost averaging does not guarantee a profit or protect against losses. It is a discipline, not a return.
Investment Details
This is an estimate, not an offer. Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Returns shown are illustrative projections based on the rate you entered, not a guarantee or promise of actual returns.
What Duration and Return Do to the Result
Here is ₹10,000 a month at an assumed 12% a year, for different durations:
| Duration | Total invested | Estimated future value |
|---|---|---|
| 5 years | ₹6,00,000 | ₹8,24,864 |
| 10 years | ₹12,00,000 | ₹23,23,391 |
| 15 years | ₹18,00,000 | ₹50,45,760 |
| 20 years | ₹24,00,000 | ₹99,91,479 |
| 25 years | ₹30,00,000 | ₹1,89,76,351 |
The assumed return matters just as much. Over ten years, the same SIP grows to ₹18,41,657 at 8% a year and to ₹27,86,573 at 15%. Mutual fund returns are market-linked and not guaranteed, so treat any rate as an assumption to test, not a forecast.
Investing Basics
- Match the investment to the time horizon. Money you need in a few years generally belongs in lower-risk options; long-term goals can tolerate more ups and downs.
- Cover the basics first. An emergency fund and adequate insurance keep you from having to sell investments at a bad time.
- Costs and taxes reduce what you keep. Expense ratios, exit loads, and tax on gains are not included in this calculator.
- Stay invested and review yearly. Stopping a SIP after a fall in the market defeats the purpose of averaging.
Have a target in mind? The Goal-Based SIP Calculator works backwards from an amount and a deadline to the monthly SIP required. For a long-range goal, see theRetirement Corpus Calculator.
Frequently Asked Questions
What formula does this SIP calculator use?
FV = P × [{(1+r)^n − 1} / r] × (1+r), where P is your monthly investment, r is the monthly rate of return, and n is the number of months — the standard formula for a monthly annuity-due investment.
Is the expected return rate guaranteed?
No. Mutual fund and equity returns are market-linked and not guaranteed. The rate you enter is an assumption for projection purposes only, not a promised return.
What if I want to reach a specific goal amount instead?
Use our Goal-Based SIP Calculator, which works backward from a target amount to tell you the monthly SIP required.