SIP Calculator
See what a disciplined monthly investment grows into. Adjust the amount, expected return, and period — the projection updates instantly.
Value after 10 years
₹23.23 L
- Amount invested
- ₹12 L
- Estimated returns
- ₹11.23 L
Returns are illustrative and assume a constant rate. Mutual fund investments are subject to market risk.
About this calculator
How it works
The calculator uses the standard SIP future-value formula, compounding your monthly contribution at the expected annual return. Contributions are assumed at the start of each month.
Choosing an expected return
Equity funds have historically delivered 10–14% over long periods, while debt funds sit closer to 6–8%. Use a conservative number for planning — you can always be pleasantly surprised.
Why SIPs work
Rupee-cost averaging means you buy more units when markets dip and fewer when they peak, smoothing your entry price while compounding does the heavy lifting.
SIP and insurance
A SIP builds wealth; insurance protects it. Pair long-term investing with adequate term cover so your family's goals survive even if you're not around to fund them.