SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month. Compounding does the heavy lifting: small, regular investments can grow into a large corpus over time. Enter your monthly amount, expected return, and how long you'll invest.
Future value
₹50,45,760
₹50.46 L
Invested
₹18,00,000
Est. returns
₹32,45,760
Assumes a constant 12% annual return compounded monthly with contributions at the start of each month. Actual mutual fund returns vary and are not guaranteed.
Frequently asked questions
How is SIP return calculated?
Each monthly instalment compounds at the expected rate for the months remaining until the end of the tenure. We use the standard start-of-month SIP formula that AMCs use, so your earliest instalments earn the most.
What return should I assume?
Equity mutual funds in India have historically delivered roughly 10–12% annualised over long periods, debt funds 6–8%. Returns are not guaranteed: use a conservative figure and review periodically.