SIP Calculator
Calculate how your monthly SIP investments grow over time. See the power of compounding on systematic investments in mutual funds.
What this calculator does
- Calculates maturity value of your monthly SIP
- Shows total amount invested vs returns earned
- Demonstrates the power of compounding over time
- Helps plan for long-term financial goals
How to Use
Enter monthly SIP amount
Amount you will invest each month
Set expected return rate
Annual return (12% typical for equity)
Enter investment period
Number of years you plan to invest
View maturity value
Total corpus at the end of tenure
Check wealth gain
Returns earned above your investment
Adjust and compare
Try different amounts and durations
Example Calculations
₹10,000 Monthly SIP for 10 Years
You invest ₹10,000 every month for 10 years in an equity mutual fund with 12% expected annual return.
Your ₹12 lakh investment nearly doubles to ₹23+ lakh. That's the power of compounding over time.
₹10,000 Monthly SIP for 20 Years
Same ₹10,000 monthly SIP, but for 20 years instead of 10.
With double the time, your corpus is 4x larger. Time is your biggest ally in wealth building.
Time Impact on ₹10,000 SIP (12% Return)
| Duration | Invested | Returns | Maturity Value |
|---|---|---|---|
| 5 years | ₹6,00,000 | ₹2,24,248 | ₹8,24,248 |
| 10 years | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
| 15 years | ₹18,00,000 | ₹32,44,895 | ₹50,44,895 |
| 20 years | ₹24,00,000 | ₹75,91,479 | ₹99,91,479 |
| 25 years | ₹30,00,000 | ₹1,59,76,197 | ₹1,89,76,197 |
Notice how returns exceed invested amount after ~10 years and dominate after 15+ years.
SIP Planning Guide
Monthly SIP Needed for Target Corpus (12% Return)
| Target Corpus | 10 Years | 15 Years | 20 Years |
|---|---|---|---|
| ₹25 Lakh | ₹10,800 | ₹5,000 | ₹2,500 |
| ₹50 Lakh | ₹21,500 | ₹9,900 | ₹5,000 |
| ₹1 Crore | ₹43,000 | ₹19,800 | ₹10,000 |
| ₹2 Crore | ₹86,000 | ₹39,600 | ₹20,000 |
Starting early dramatically reduces the monthly amount needed.
Expected Returns by Fund Type
| Fund Category | Risk Level | Expected Return |
|---|---|---|
| Large Cap Equity | Moderate | 10% - 12% |
| Flexi/Multi Cap | Moderate-High | 12% - 14% |
| Mid Cap Equity | High | 13% - 15% |
| Small Cap Equity | Very High | 14% - 18% |
| Hybrid/Balanced | Low-Moderate | 8% - 10% |
| Debt Funds | Low | 6% - 8% |
Historical returns are indicative. Actual returns may vary based on market conditions.
Frequently Asked Questions
Key Terms
SIP
Systematic Investment Plan. A method of investing fixed amounts at regular intervals in mutual funds.
Compounding
Earning returns on your returns. Over time, compounding significantly multiplies your wealth.
Rupee Cost Averaging
Buying more units when prices are low and fewer when high, averaging your purchase cost over time.
NAV
Net Asset Value. The per-unit price of a mutual fund. Your SIP buys units at the current NAV.
CAGR
Compound Annual Growth Rate. The smoothed annual return rate that represents growth over a period.
ELSS
Equity Linked Savings Scheme. Tax-saving mutual funds with 3-year lock-in, eligible for Section 80C deduction.
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Disclaimer: This calculator provides estimates based on assumed constant returns. Actual mutual fund returns vary and are not guaranteed. Past performance does not guarantee future results. Consult a financial advisor before making investment decisions.
