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.

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.

Common questions answered

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