Calculator
SIP Calculator
A SIP calculator projects what investing a fixed amount every month could grow to over time, at an assumed rate of return. The useful part is not the final figure but the split: how much of it is money you put in, and how much the compounding did.
A long-run assumption, not a promise. Markets do not deliver a constant rate.
Most people can raise their SIP as income rises. Even 5% a year changes the outcome sharply.
Projected value
Projected value:₹50,45,760
- You will have invested
- ₹18,00,000
- Growth on top
- ₹32,45,760
Ends at ₹50.46 L after 15 years
See the figures as a table
| Year | You invest | Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
| 11 | ₹13,20,000 | ₹27,46,148 |
| 12 | ₹14,40,000 | ₹32,22,522 |
| 13 | ₹15,60,000 | ₹37,59,311 |
| 14 | ₹16,80,000 | ₹43,64,180 |
| 15 | ₹18,00,000 | ₹50,45,760 |
What this assumes
Every calculator here states what it took for granted. A result whose assumptions are hidden is not worth much.
- Instalments are paid at the start of each month, which is how a SIP mandate debits.
- The return is applied as a constant nominal monthly rate, annual divided by twelve.
- No exit load, transaction cost or tax is deducted.
- Any yearly step-up is applied once every twelve months.
How to use it
- Enter what you can invest each month, honestly rather than optimistically.
- Set the number of years until you need the money.
- Leave the return at a long-run assumption you would defend, then try it a few percent lower.
Illustrative only. Not a projection, not a guarantee, and not investment advice.
Common questions
What return should I assume for a SIP?
There is no correct answer, which is why the field is yours to set. A common long-run assumption for diversified equity funds in India is around 10 to 12 percent, but no fund guarantees it and no year delivers it exactly. Run the number twice, once at your assumption and once several percent lower, and plan against the lower one.
Why does the growth look small in the early years?
Because compounding needs time before it does much. In the first few years almost all of the balance is money you paid in. The line separates later, which is the whole argument for starting earlier rather than investing more.
A number is not a plan.
If this result raised a question, that is the useful part. Bring it in and we will work through what it means for your situation.