SIP calculator
What will your monthly investment grow to?
Put in an amount you could invest every month, set your own assumptions, and see where it lands — how much came from your pocket, how much from growth, and what it is worth after inflation.
Reading the result honestly
The headline number is the one everyone looks at, but the two underneath it matter more. “You put in” is the part that is real — it is money you actually have to find, month after month, for years. “Assumed growth” is the part that depends entirely on a rate you chose on a slider.
Over long periods the growth portion comes to dwarf the contributions, and that is genuinely how compounding works — but it is also where all the uncertainty lives. A useful habit is to run the same amount at 8%, 10% and 12% and treat the spread between them as the real answer, rather than trusting any single figure.
The calculator also ignores what erodes returns in practice: taxes on redemption, exit loads, and the fund’s expense ratio. What you receive will be less than what it shows.
Working backwards instead
This page starts from an amount and tells you where it lands. If you already know where you need to land — a deposit, a course fee, a retirement number — the goal planner runs the same maths in reverse and tells you the monthly amount it would take.
Frequently asked questions
- What is a SIP?
- A Systematic Investment Plan is a standing instruction to invest a fixed amount into a mutual fund at a regular interval, usually monthly. The appeal is behavioural as much as financial: it removes the decision of when to invest, and it buys more units when prices are low and fewer when they are high, so your average cost is smoothed out over time.
- How is the SIP return calculated?
- Each instalment is treated as invested at the start of the month, the way a real SIP mandate debits, and then compounded at your assumed rate for the months remaining. The monthly rate is taken as your annual assumption divided by twelve, which is the convention Indian SIP calculators use — so the figures here line up with ones you have seen elsewhere.
- Will I actually get the return I entered?
- Almost certainly not year by year. The calculator applies one steady rate every month, but real markets deliver good years and bad ones in an order nobody can predict, and the order matters — a poor run late in the term hurts far more than the same run early, because there is more money exposed to it. Treat the output as a sense of scale, not a promise.
- Why is the corpus worth less in today's money?
- Because prices rise while you invest. A corpus of ₹1 crore in twenty years, with inflation at 6%, buys roughly what ₹31 lakh buys today. That figure is not a reason to avoid investing — it is the reason to invest, since money left in cash loses that purchasing power without the growth to offset it.
- What is a step-up SIP, and does it matter much?
- A step-up SIP raises your monthly contribution by a set percentage each year, usually tracking your income. It tends to move the final number more than optimistically raising your assumed return does — and unlike the return, it is something you actually control. Try setting the step-up to 10% and watch what happens to the corpus.
- Is this investment advice?
- No. This is a calculator: it does arithmetic on the assumptions you enter. It does not recommend any scheme, predict returns, or account for your personal circumstances, taxes or risk tolerance. For personalised advice, speak to a SEBI-Registered Investment Adviser.