Calculators
SIP Calculator
Work out the maturity value of a monthly SIP, how much you invested, and the gains, for any amount, return rate and duration.
About the SIP Calculator
The SIP Calculator shows what a monthly mutual fund SIP could grow to. Drag the sliders for the monthly amount, expected return and time period, add an optional yearly step-up, and it shows the maturity value, what you invested, the estimated gains, the value in today's money and a year-by-year chart.
What you can do with the SIP Calculator
- Growth at a glance: Maturity value, amount invested and estimated gains.
- Yearly step-up: Raise your SIP each year and see the difference.
- Today's money: Adjusts the final value for inflation.
- Year-by-year chart: Watch invested amount and gains grow.
How a SIP builds wealth
A Systematic Investment Plan (SIP) invests a fixed amount every month into a mutual fund. Because each instalment is invested for a different length of time, the earliest ones compound the longest. In the chart, the blue part of each bar is what you put in and the orange part is growth, over long periods the orange part often ends up larger.
Step-up SIPs
Most people's income rises over time, so many fund houses let you raise the SIP every year. A 10% step-up on ₹5,000 means ₹5,500 a month in year two, ₹6,050 in year three and so on. Even a small step-up makes a large difference over 15–20 years, try it with the "Step-up every year" slider.
Why the return rate is a guess
Nobody can promise a future return. Equity funds in India have historically returned somewhere around 10–14% a year over long periods, but any single year can be sharply up or down. Try a few rates, say 10%, 12% and 14%, to see a realistic range rather than a single "answer".
The power of starting early
Because of compounding, starting a few years earlier matters more than investing a larger amount later. ₹5,000 a month for 20 years usually ends up far ahead of ₹10,000 a month for 10 years, even though the total invested is similar.
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Frequently Asked Questions
Does this account for inflation?
Yes, as a guide. Under the maturity value it shows roughly what that amount would be worth in today's money, assuming 6% inflation a year.
What is a step-up SIP?
A SIP whose monthly amount rises by a fixed percentage every year. Set the "Step-up every year" slider to model it; 0% means a flat SIP.
Is the SIP amount invested at the start or end of the month?
The start of the month, which matches how most fund houses quote SIP returns. Investing at the end of each month gives a slightly lower figure.
What return rate should I use?
For diversified equity funds, many people model 10–12% for long-term planning. Debt funds are lower. Use a conservative figure so you are pleasantly surprised rather than disappointed.
How much SIP do I need to reach ₹1 crore?
At an assumed 12% a year, about ₹19,819 a month for 15 years would reach ₹1 crore. A ₹5,000 SIP would take about 26 years. Move the sliders to test your own numbers; actual mutual fund returns are not guaranteed.
What will a ₹10,000 SIP for 20 years become?
At an assumed 12% a year it grows to about ₹99.91 lakh, of which ₹24 lakh is your own money and the rest is estimated gains. At 6% inflation that is worth roughly ₹31.15 lakh in today's money.
What is the 15-15-15 rule for SIP?
It says ₹15,000 a month for 15 years at 15% a year can reach about ₹1 crore; this calculator gives about ₹1.02 crore. The 15% return is an assumption, not a promise, and real equity fund returns vary from year to year.
Why does the SIP value grow so much faster in later years?
Gains start earning gains of their own, so growth speeds up over time. At ₹5,000 a month and 12%, the value is about ₹11.62 lakh after 10 years, ₹49.96 lakh after 20 and ₹1.76 crore after 30.
Is a 12% yearly return the same as 1% a month here?
This calculator divides the yearly rate by 12 and compounds monthly, so 12% becomes 1% a month. That works out to about 12.68% a year, so the result is slightly higher than a fund with an exact 12% yearly return would give.
How do I compare this with the return shown in my mutual fund app?
Apps usually show SIP returns as XIRR, which accounts for each instalment being invested for a different length of time. You can enter a fund's XIRR as the expected return here to see what a similar return would mean for your own plan.
Does the result include expense ratio, exit load or tax?
No. The calculator applies only the return you enter. Exit loads and capital gains tax reduce what you actually receive, and while published fund returns are usually after the expense ratio, they are before tax.
Read the guide
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