SIP Calculator
Free · Live calculation · Your data stays in your browser
Investment Details
Adjust to see live updates
Equity MFs avg 10-15% over 10+ years
Quick Presets
Future Value of Your SIP
₹50,45,760
2.8x your invested amount
You Invest
₹18,00,000
You Earn
+₹32,45,760
Wealth Gain
64%
Wealth Growth Snapshot
See how your money compounds over time
After 5 years
₹8,24,864
+37%
After 10 years
₹23,23,391
+94%
After 15 years
₹50,45,760
+180%
Insight
Investing ₹10,000/month for 15 years at 12% return turns your ₹18,00,000 into ₹50,45,760 — the power of compounding!
Pro Tip
- •Step-up SIP: Increase by 10% yearly to keep pace with income growth.
- •Don't stop SIPs in market downturns - that's when you buy more units cheaper.
- •Equity MFs historically deliver 10-15% over 10+ year periods.
What is SIP Calculator?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals (usually monthly). SIP harnesses the power of compounding and rupee-cost averaging - you buy more units when prices are low and fewer when high. It's the most popular way for Indians to build long-term wealth through equity mutual funds, with even ₹500/month being enough to start.
How to Use
- 1Enter your monthly SIP amount (start with what you can afford)
- 2Enter the investment period in years (longer = better)
- 3Enter expected annual return (equity MFs avg 10-15%)
- 4See your wealth grow with compounding
- 5View 5/10/20 year snapshot to see how much your money grows
Formula
M = P × [((1 + r)^n − 1) / r] × (1 + r)
Where: M=Maturity, P=Monthly Amount, r=monthly rate, n=monthsFrequently Asked Questions
Most mutual funds allow SIP starting from just ₹500/month. Some funds even allow ₹100/month SIPs. Start small if you're new - the key is consistency, not the amount.