SIP Calculator India
A SIP (Systematic Investment Plan) calculator shows what a fixed monthly investment in a mutual fund can grow to. Enter the monthly amount, the expected yearly return and the number of years to see the total invested, the estimated returns and the final value.
How the SIP Calculator India works
Each monthly instalment is invested and compounds every month until the end of the period. Early instalments compound for longer, which is why the last few years of a long SIP add the most money.
The calculator assumes the same return every year. Real equity returns swing from year to year, so treat the result as an estimate, not a promise.
Formula
FV = P × [((1 + r)^n − 1) ÷ r]
- P = monthly SIP amount
- r = expected yearly return ÷ 12 (as a decimal)
- n = number of monthly instalments
Worked example: ₹10,000 a month for 15 years at 12%
- Monthly rate r = 12% ÷ 12 = 1% = 0.01, and n = 15 × 12 = 180 months.
- Total invested = ₹10,000 × 180 = ₹18,00,000.
- Final value = ₹49,95,802, so the estimated gain is ₹31,95,802.
SIP value at 12% a year| Monthly SIP | 10 years | 15 years | 20 years | 25 years |
|---|
| ₹1,000 | ₹2.3 lakh | ₹5 lakh | ₹9.9 lakh | ₹18.8 lakh |
| ₹5,000 | ₹11.5 lakh | ₹25 lakh | ₹49.5 lakh | ₹93.9 lakh |
| ₹10,000 | ₹23 lakh | ₹50 lakh | ₹98.9 lakh | ₹1.88 crore |
| ₹25,000 | ₹57.5 lakh | ₹1.25 crore | ₹2.47 crore | ₹4.7 crore |
Illustrative, assuming a constant rate. Actual returns and rates vary.
Tips
- Start early. A five-year delay roughly doubles the SIP you need for the same goal.
- Raise the SIP every year with your salary. A step-up SIP builds a far bigger corpus.
- Use a lower return, such as 10%, for a conservative plan.
- Equity mutual fund gains above the yearly exemption are taxed as capital gains when you sell.
Want to know if your whole plan is on track? Get your free money score in about two minutes. No PAN, no Aadhaar.
About the SIP Calculator India
Free SIP (Systematic Investment Plan) calculator for India. See the final corpus, amount invested and wealth gained from a monthly mutual fund SIP.
Frequently asked questions
- What is a SIP?
- A Systematic Investment Plan invests a fixed amount in a mutual fund every month, usually by auto-debit. It builds the habit and averages out the price you pay.
- What is a SIP calculator?
- A SIP calculator estimates the future value of monthly mutual fund investments based on amount, expected return rate, and tenure.
- How is SIP return calculated?
- It uses a compounding formula with periodic monthly investment, expected annual return, and investment duration.
- Is SIP better than FD?
- SIP may offer higher long-term growth with market risk, while FD offers fixed returns with lower risk. Use both for different goals.
- How much SIP do I need to become a crorepati?
- It depends on return rate and years. At ~12% for 20 years, roughly ₹10,000–12,000 per month can approach ₹1 crore. Use the calculator with your numbers.