SIP Calculator
See what your monthly mutual fund SIP can grow into. Change the amount, expected return or duration and watch the future value update.
Value after 15 years
Rs 0
You invest Rs 0
Estimated gains Rs 0
Assumes returns compound monthly. Actual fund returns vary.
Why small SIPs become big money
The power of a SIP comes from compounding. A SIP of Rs 10,000 per month at 12 percent grows to about Rs 50 lakh in 15 years, even though you only invest Rs 18 lakh from your pocket. Stretch the same SIP to 25 years and it crosses Rs 1.8 crore. Time in the market matters more than timing the market.
A useful habit is the step up SIP: increase your monthly amount by 10 percent every year as your income grows. It feels painless but can nearly double the final corpus compared to a flat SIP.
Frequently asked questions
What is a SIP?
A SIP or Systematic Investment Plan invests a fixed amount into a mutual fund every month. It builds the habit of investing and averages out market ups and downs over time.
What return should I assume for a SIP?
Equity mutual funds in India have historically delivered around 10 to 14 percent per year over long periods, but returns are not guaranteed. Many people use 12 percent as a planning assumption.
How is SIP maturity value calculated?
The calculator uses the future value of an annuity formula: FV = P x ((1+i)^n - 1) / i x (1+i), where P is the monthly amount, i is the monthly return and n is the number of months.
Can I stop or change my SIP anytime?
Yes. SIPs in open ended mutual funds can be paused, increased or stopped at any time without penalty, though exit loads and taxes may apply when you redeem units.