Free Tool

SIP Calculator for
Indian Investors

Plan your systematic investment plan. Calculate future value of your monthly SIP investments with expected returns and see how the power of compounding grows your wealth.

₹ 5,000
₹500₹2,00,000
12%
1%30%
10 Yrs
1 Yr40 Yrs
Maturity ₹0
Total Invested
₹0
Estimated Returns
₹0
Maturity Value ₹0

How It Works

The Power of Systematic Investing

Rupee Cost Averaging

Investing a fixed amount each month means you buy more units when prices are low and fewer when prices are high. Over time, this averages your cost and reduces the risk of timing the market wrong.

Power of Compounding

Your returns earn returns. Starting early matters more than investing large amounts. A ₹5,000 SIP for 30 years at 12% grows to over ₹1.76 crore — most of it is compounded growth, not your contributions.

SIP Maturity Examples

Assuming 12% annual return, here is what different monthly SIPs grow to over time.

Monthly SIP 10 Years 15 Years 20 Years
₹1,000₹232,339₹504,576₹999,148
₹5,000₹1,161,695₹2,522,880₹4,995,740
₹10,000₹2,323,391₹5,045,760₹9,991,479
₹25,000₹5,808,477₹12,614,400₹24,978,698

Frequently Asked Questions

What is a SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in a mutual fund every month. It automates investing, removes market timing stress, and builds wealth through rupee cost averaging and compounding.
Which mutual funds are best for SIP in India?
Large-cap, flexi-cap, and index funds are popular for long-term SIPs. Look at 5-10 year rolling returns, expense ratio, and fund manager consistency. Examples of well-rated categories include Nifty 50 index funds and diversified flexi-cap funds. Always check SEBI-registered funds and past performance disclaimers.
SIP vs Lumpsum — which is better?
SIP is better when markets are volatile or you invest from monthly income. Lumpsum is mathematically better when markets are expected to rise steadily and you have a large amount upfront. Most retail investors benefit from SIPs because they remove emotion and timing risk.
Can I stop or pause my SIP?
Yes. Most fund houses allow you to pause SIPs for 1-6 months or cancel them anytime without penalty. You can also modify the SIP amount or date. Track performance regularly using a journal so you know if a fund is underperforming.

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