SIP Calculator
See how a monthly SIP compounds into a corpus. Tweak the numbers and watch the chart update.
Most investors start at ₹5,000–₹25,000/month
Equity funds ~12%, Hybrid ~9%, Debt ~7%
The longer, the more compounding works
Total invested
₹27.00 L
₹27,00,000
Wealth gained
₹48.69 L
₹48,68,640
Future value
₹75.69 L
₹75,68,640
Growth over time
Invested vs returns
₹27,00,000
₹48,68,640
How this is calculated
Formula: FV = P × [((1 + i)n − 1) / i] × (1 + i), where P is the monthly investment, i is the monthly rate (annual ÷ 12 ÷ 100) and n is the number of months.
Returns shown are indicative — actual mutual-fund returns vary by scheme, category and market cycle. Equity funds in India have historically delivered 10–14% annualised over long periods. Use 8–9% for hybrid/conservative funds and 6–7% for debt.
Past performance is not indicative of future returns. Mutual fund investments are subject to market risks.
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Frequently asked questions
How is SIP maturity calculated?
A SIP is a series of monthly investments, each compounding until maturity. We use the future-value-of-annuity formula FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly amount, i the monthly rate (annual ÷ 12 ÷ 100) and n the number of months.
What return should I assume for a SIP?
It depends on the fund category. Diversified equity funds in India have historically delivered ~10–14% annualised over long periods, hybrid funds ~8–10%, and debt funds ~6–7%. Returns are not guaranteed and vary with market cycles.
Is a SIP better than a lumpsum?
A SIP averages your purchase price across market levels (rupee-cost averaging) and removes the need to time the market, which suits salaried investors. A lumpsum can do better in a steadily rising market. Use our Lumpsum vs SIP calculator to compare.
Can I increase my SIP every year?
Yes — a step-up (top-up) SIP raises your monthly amount by a fixed percentage each year, which dramatically increases the final corpus. Try the Step-up SIP calculator.
Related calculators
Lumpsum Calculator
See what a one-time investment grows to at a chosen return.
Step-up SIP Calculator
Increase your SIP every year and see how much more you build.
Goal SIP Calculator
Set a target amount and find the monthly SIP needed to reach it.
Lumpsum vs SIP Calculator
Compare a one-time lumpsum with a monthly SIP for the same total amount.