SIP Calculator
Calculate how your monthly SIP investments will grow over time.
Calculate how your monthly SIP investments will grow over time.
Increase SIP amount yearly
Show value in today's money
Total Value
₹11,20,179
| Year | Invested | Interest | Total Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹3,832 | ₹63,832 |
| 2 | ₹1,20,000 | ₹15,325 | ₹1,35,325 |
| 3 | ₹1,80,000 | ₹35,396 | ₹2,15,396 |
| 4 | ₹2,40,000 | ₹65,076 | ₹3,05,076 |
| 5 | ₹3,00,000 | ₹1,05,518 | ₹4,05,518 |
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum, you invest smaller amounts at regular intervals (usually monthly), making it easier to build wealth over time without straining your budget. SIPs have become one of the most popular investment options for salaried individuals in India.
Rupee Cost Averaging: When markets are down, your fixed SIP amount buys more units. When markets are up, you buy fewer units. Over time, this averages out your purchase cost and reduces the impact of market volatility on your investment.
Power of Compounding: The returns you earn get reinvested, generating their own returns. Starting early and staying invested for the long term can significantly multiply your wealth. Even a modest monthly investment can grow into a substantial corpus over 15-20 years.
Disciplined Investing: SIPs automate your investments, removing the temptation to time the market or skip contributions. This discipline is often the difference between successful and unsuccessful investors.
Start as early as possible—time in the market matters more than timing the market. Choose funds based on your risk appetite and investment horizon. Consider using the step-up feature to increase your SIP amount annually as your income grows. Most importantly, stay invested through market ups and downs; stopping your SIP during market corrections often means missing the recovery.
This calculator estimates your SIP returns using the compound interest formula for regular investments. Enter your monthly investment amount, expected annual return rate, and investment duration to see your projected corpus.
Formula used:
M = P × ((1 + r)^n - 1) / r × (1 + r)Where M = Maturity amount, P = Monthly investment, r = Effective monthly rate, n = Number of months