SIP Calculator
See what your monthly SIP can become. Watch compounding do its quiet magic, with a chart that makes the numbers obvious.
What is SIP?
A SIP (Systematic Investment Plan) calculator estimates what your monthly mutual fund investment could grow into, assuming a steady rate of return compounded monthly.
where P = monthly SIP, r = monthly rate, n = months.
Worked example
A ₹10,000/month SIP at 12% expected return for 15 years grows to approximately ₹50.4 lakh. You invested ₹18 lakh, the rest (₹32.4L) is pure compounding.
Frequently asked questions
What return can I expect from a SIP?
Historically, Indian equity mutual funds have returned 10–14% p.a. over long periods. Use 12% as a reasonable middle estimate, but past returns don't guarantee future ones.
Should I increase my SIP every year?
Yes, a step-up SIP that rises with your salary dramatically boosts the final corpus. See our Step Up SIP calculator.
Can I pause or stop my SIP?
Yes, most AMCs allow pause for 1–3 months or permanent stop any time. No penalty, but your corpus stops growing.