SIP Calculator
A ₹10,000 monthly SIP for 20 years grows to about ₹92 lakh at 12% a year, on ₹24 lakh invested. Change the amount, return and years to see your own figure.
Future value
- Invested
- Gained
- Multiplier
Where the final value comes from
is returns, not money you put in
- Returns overtake what you put in
- Returns earned in the last 5 years
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Year-by-Year Breakdown
| Year | Total Invested | Portfolio Value | Wealth Gained | Return |
|---|
Assumes each instalment is invested at the start of the month and the annual return you enter is converted to the equivalent monthly rate, (1 + return)1/12 − 1, so 12% means 12% a year. Some SIP calculators divide the return by 12 instead, which shows a higher figure. Pre-tax; results are indicative only.
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator estimates what regular monthly investments in a mutual fund could grow to. Enter the monthly amount, expected annual return and tenure, and it shows the future value, the total you invest and the gain from compounding.
Unlike a simple interest calculator, a SIP calculator uses the compound interest formula applied monthly, which means your returns start earning returns of their own. Over long periods this compounding does most of the work, so even a modest monthly SIP of ₹5,000 can grow into a significant corpus over 20 years at a moderate return rate.
This calculator projects a future corpus. To measure the return your existing SIP has actually earned, use the XIRR calculator: enter your monthly amount, start date and current value.
For real funds rather than an assumed return, see what a ₹10,000 monthly SIP actually grew to over 5 and 10 years in the best flexi cap funds comparison.
How to Use This SIP Calculator
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1
Set your monthly SIP amount
Use the slider or type directly. Start with what you can commit today. Even ₹500 a month matters when given enough time.
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2
Choose an expected return
Many investors plan with around 10–12% p.a. for diversified equity funds over long periods, but past returns vary a lot and are not guaranteed. Use a conservative estimate for goal planning.
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3
Select your investment tenure
The longer the tenure, the bigger the share of the corpus that comes from returns. Try switching between 10 and 20 years to see the difference.
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4
Read your results instantly
The calculator updates live. Check total invested, wealth gained, future value and the year-by-year breakdown table above.
Worked Example: ₹10,000 SIP for 20 Years
Let's see what a ₹10,000 monthly SIP looks like at different return rates over 20 years (240 months). Total invested: ₹24,00,000. These are the figures this calculator shows: instalments at the start of each month, annual return compounded monthly at the equivalent rate. The multiple in brackets is future value ÷ amount invested (the "Wealth Multiplier" card).
| Return Rate | Total Invested | Future Value | Wealth Gained |
|---|---|---|---|
| 8% p.a. | ₹24,00,000 | ₹57,26,600 | ₹33,26,600 (2.39x) |
| 10% p.a. | ₹24,00,000 | ₹72,39,867 | ₹48,39,867 (3.02x) |
| 12% p.a. | ₹24,00,000 | ₹91,98,574 | ₹67,98,574 (3.83x) |
| 14% p.a. | ₹24,00,000 | ₹1,17,34,741 | ₹93,34,741 (4.89x) |
At 12% a year, a ₹10,000 monthly SIP grows to about ₹92 lakh, roughly 3.8x your investment. The difference between 10% and 12% is about ₹19.6 lakh, which is why fund selection and costs matter.
Why Invest via SIP?
Rupee Cost Averaging
You buy more units when markets are low and fewer when high, so your average cost per unit is usually below the average price over the period.
Power of Compounding
Returns reinvest automatically, generating returns on returns. The longer you stay invested, the more exponential the growth becomes.
Start Small, Scale Up
Begin with a small monthly amount (the minimum SIP varies by fund, so check the scheme page) and increase your SIP as income grows, without needing a lump sum.
Fully Automated
Set up a monthly auto-debit and invest without thinking. It removes the temptation to time the market or skip months.
SIP vs Lumpsum: Which is Better?
If you have a large sum available (bonus, inheritance, windfall), lumpsum investing usually comes out ahead in rising markets, because more of your money is exposed to market growth for longer. Try our SIP vs Lumpsum backtester to see how it played out for a real fund. However, SIP wins on risk management and practicality.
| Factor | SIP | Lumpsum |
|---|---|---|
| Market timing risk | Low (averaged out) | High (single entry) |
| Best in rising markets | Lower returns (missed early growth) | Higher returns |
| Best in volatile markets | Smoother entry (rupee cost averaging) | Can underperform |
| Discipline required | Auto-debit handles it | Emotional bias risk |
| Suitable for | Salaried earners, regular income | Windfall, bonus, inheritance |
In short: for most salaried investors with a monthly income, a SIP is the practical choice. Use lumpsum for one-time windfalls. Want to see the difference with real data? Try our SIP vs Lumpsum Backtester with actual mutual fund NAVs.
