SIP Calculator
See how a fixed monthly SIP compounds over time
Enter Details
₹
% p.a.
Results
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Enter your SIP details and click Calculate.
Formula
Maturity = M × [((1 + r)ⁿ − 1) ÷ r] × (1 + r)
- M (₹) — Monthly investment amount
- r (–) — Monthly rate = annual rate ÷ 12 ÷ 100
- n (months) — Investment duration in months
Example: ₹5,000/month for 10 years at 12% → r = 0.01, n = 120 → Maturity ≈ ₹11.6 L
Interpreting Your Result
< 7% p.a.
Conservative return
Typical of debt or balanced funds
10–12% p.a.
Expected equity return
Historical average for Indian equity mutual funds
> 15% p.a.
Optimistic scenario
Not guaranteed — use for illustration only
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan lets you invest a fixed amount in a mutual fund monthly. Returns compound over time, making it one of the most effective wealth-building strategies.
Is SIP better than lumpsum?
SIP averages out market volatility (rupee cost averaging). Lumpsum beats SIP if you invest when markets are low. For most investors, SIP is lower risk.
What return rate should I use?
Indian equity funds have historically returned 10–14% CAGR. Use 10–12% for conservative planning.
What happens if I miss an SIP?
Missing one SIP instalment is fine — the fund simply skips that instalment. Repeated misses may impact your corpus significantly over time.