Investment Calculator
SIP Calculator
See exactly how your monthly SIP compounds over time — adjust the sliders and watch the numbers update live.
Total Invested
Wealth Gained
Future Value
Wealth Multiplier
Contribution Split
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Year-by-Year Breakdown
| Year | Total Invested | Portfolio Value | Wealth Gained | Return |
|---|
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator is an online tool that estimates the future value of regular monthly investments in mutual funds. By entering three inputs — monthly investment amount, expected annual return, and investment tenure — it instantly shows how much your corpus will grow, how much you will invest in total, and the wealth you will gain purely 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 creates exponential growth — often called the "power of compounding" — where even a modest monthly SIP of ₹5,000 can grow into a significant corpus over 20 years at a moderate return rate.
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
Large-cap equity funds have historically returned 10–12% p.a. over long periods. Use a conservative estimate for goal planning.
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3
Select your investment tenure
The longer the tenure, the more dramatic the compounding effect. 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.
| Return Rate | Total Invested | Future Value | Wealth Gained |
|---|---|---|---|
| 8% p.a. | ₹24,00,000 | ₹58,90,000 | ₹34,90,000 (1.5x) |
| 10% p.a. | ₹24,00,000 | ₹75,94,000 | ₹51,94,000 (2.2x) |
| 12% p.a. | ₹24,00,000 | ₹98,93,000 | ₹74,93,000 (3.1x) |
| 14% p.a. | ₹24,00,000 | ₹1,30,44,000 | ₹1,06,44,000 (4.4x) |
At 12% (close to Nifty 50's 20-year CAGR), a ₹10,000 monthly SIP grows to nearly ₹1 Cr — over 4x your investment. The difference between 10% and 12% is ₹23L, showing how even 2% higher returns compound dramatically over time. This is why fund selection matters.
Why Invest via SIP?
Rupee Cost Averaging
You buy more units when markets are low and fewer when high, automatically reducing your average cost per unit over time.
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 as little as ₹100–₹500 per month and increase your SIP as income grows — no lumpsum pressure required.
Fully Automated
Set up a monthly auto-debit and invest without thinking — 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 has historically outperformed SIP about 65–70% of the time in rising markets — because more of your money is exposed to market growth for longer. 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 | Higher returns (rupee cost averaging) | Can underperform |
| Discipline required | Auto-debit handles it | Emotional bias risk |
| Suitable for | Salaried earners, regular income | Windfall, bonus, inheritance |
Our recommendation: For most Indian salaried investors, SIP is the right 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.
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