Enter the amount you plan to invest every month.
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RETURNS01 / 06 · Financial planning tool
SIP Calculator
Project the future value of your monthly SIP and understand how your own contributions and compounding work together.
RETURNS · SIP Calculator
SIP Calculator
Build a monthly investing habit and see how compounding can grow your corpus. All calculations happen in your browser.
Investment period
Projected value₹23,23,391
Invested₹12,00,000
Estimated returns₹11,23,391
For planning and educational purposes only. Results depend on the assumptions you enter and are not investment advice.
WHY THIS TOOL EXISTS
The power of consistency
A SIP turns investing into a repeatable habit. Each monthly instalment gets a different amount of time to compound, so starting early and staying consistent can matter more than trying to find the perfect entry point.
01 · Inputs matter02 · Time changes the answer03 · Use it for planning
HOW TO USE IT
Turn the inputs into a better decision.
Keep assumptions realistic, compare scenarios and use the output as one input in your decision — not as a promise of returns.
Use a realistic expected annual return rather than an aggressive target.
Choose your investment period and add an annual step-up if your contribution is likely to grow with your income.
Use the projected corpus as a planning estimate, not a promise of future returns.
COMMON QUESTIONS
Before you use the number.
01What is a SIP?+
A Systematic Investment Plan is a way to invest a fixed amount at regular intervals, usually monthly, into an investment such as a mutual fund.
02How is SIP return calculated?+
Each instalment is compounded for the time it remains invested. Earlier instalments therefore have more time to grow than later ones.
03What is a step-up SIP?+
A step-up SIP increases your monthly contribution by a chosen percentage each year. It can materially increase the final corpus because the additional contributions also compound.
04Are SIP returns guaranteed?+
No. The calculator uses your assumed return as a constant rate for planning. Actual market returns vary and can be negative.