SIP Calculator – See How Your Monthly Investment Grows
A Systematic Investment Plan (SIP) works on a simple principle – invest a fixed amount every month in a mutual fund and let compounding do the work over time. The longer you stay invested, the more powerful the compounding effect becomes.
Use this free SIP calculator to estimate how your monthly investment grows over different time periods. Enter your monthly SIP amount, time period and expected return to see your estimated corpus.
How to Use This Calculator
Enter your monthly SIP amount (the amount you plan to invest every month). Enter the investment period in years. Enter the expected annual return percentage – equity funds have historically returned 12-15% CAGR over long periods, use 12% as a conservative estimate. The calculator shows total invested amount, estimated returns and total corpus at the end of the period.
SIP Planning Insights
Start Early for Maximum Compounding
A ₹5,000 SIP started at 25 grows to approximately ₹1.76 crore by 60 at 12% CAGR. The same SIP started at 35 grows to only ₹52 lakh. 10 extra years triples the outcome.
Increase SIP Annually
Use our Step-Up SIP Calculator to see how a 10% annual increase to your SIP dramatically accelerates wealth creation.
Stay Invested Through Market Falls
Stopping SIP during market corrections is the most common mistake. Rupee cost averaging means you buy more units when markets fall – a feature, not a bug.
Frequently Asked Questions
What is a realistic expected return for SIP calculation?
For equity mutual funds (large cap, flexi cap), 12% CAGR is a conservative 10-15 year estimate based on historical performance. For mid/small cap funds, 14-15% is often used. For hybrid funds, 10-11%. These are estimates – actual returns vary and are not guaranteed.
Can I start a SIP with ₹500/month?
Yes. Most mutual funds allow SIPs from ₹500/month. We recommend starting with what you can commit to consistently and increasing annually through step-up SIP.
How often should I review my SIP?
Annual review is sufficient. Check whether your fund is performing in line with its benchmark and whether your SIP amount is still adequate relative to your goal.
What is the tax on SIP returns?
For equity mutual funds, gains from units held over 12 months are LTCG taxed at 12.5% above ₹1.25 lakh annually. Gains from units held under 12 months are STCG taxed at 20%.
Does this calculator give guaranteed returns?
No. Results are estimates based on assumed return rates. Actual mutual fund returns are market-linked and not guaranteed. Use for planning purposes and consult our advisor for personalised guidance.