SIP calculator

Estimate how much your monthly SIP investment could grow to.

Last reviewed: August 2026 · Figures are estimates for general planning only — see the explanation below for this calculator's specific assumptions.

Invested: ₹12,00,000 (52%)Returns: ₹11,23,391 (48%)

How this grows over time

If you invest ₹10,000 a month in an SIP for 10 years at an expected 12% annual return, it grows to about ₹23,23,391 — ₹11,23,391 in estimated returns on ₹12,00,000 invested. Compare this against investing the same amount as a lumpsum instead

What is a SIP calculator?

A SIP (Systematic Investment Plan) calculator estimates the future value of regular monthly investments in a mutual fund, based on an assumed annual rate of return, compounded monthly. It helps you compare how invested amount versus estimated returns build up over time.

Two ways to use this calculator

Most SIP calculators only work one way: enter a monthly amount, see what it grows to. This one also works backward — switch to "I have a target amount" and enter a goal (say, ₹50 lakh for a down payment, or ₹1 crore for retirement), and it tells you the monthly SIP required to get there in your chosen time period. Both modes use the exact same underlying formula, run in whichever direction answers your actual question.

Why the numbers are estimates, not guarantees

The "expected return" you enter is an assumption, not a promise — mutual fund returns vary year to year, and this calculator assumes a smooth, constant rate throughout, which real markets never quite deliver. Use it to compare scenarios and set a realistic target, not as a guaranteed outcome. A commonly used long-term assumption for equity mutual funds is 10-12% annually, though your own fund's actual category and history matter more than any single rule of thumb.

Frequently asked questions

SIP vs lumpsum — which gives better returns?

Neither is universally better — SIP averages your purchase cost over time (rupee cost averaging) and suits volatile markets or regular income, while lumpsum can outperform if invested right before a sustained rally. Use the Lumpsum calculator alongside this one to compare a specific scenario.

What is the minimum SIP amount?

Most Indian mutual funds allow SIPs starting from ₹100–₹500 per month, though ₹500–₹1,000 is more common as a practical minimum across fund houses.

How much SIP do I need to reach a target amount?

Switch this calculator to "I have a target amount", enter your goal, expected return, and time period, and it solves for the required monthly SIP directly — using the same formula as the forward calculation, just run in reverse.

Is it better to hit a goal with a bigger SIP or a mix of lumpsum and SIP?

A pure SIP is simpler to plan around, but if you already have some savings, putting part of it in as a lumpsum reduces the required monthly SIP for the rest. Use the Lumpsum calculator to check what a one-time amount would grow to on its own, then aim this calculator's goal mode at the remaining gap.

Common questions answered

Your recent searches

Loading…

What people are doing