SIP Calculator — what your monthly investment grows to

See the maturity value, total invested and wealth gained for any monthly SIP at an assumed annual return, over 5, 10, 15 or 20 years. Monthly compounding, exact figures.

SIP कैलकुलेटर: हर महीने की SIP 5, 10, 15 या 20 साल में कितनी बनेगी — कुल निवेश, मैच्योरिटी वैल्यू और फ़ायदा, सटीक आँकड़ों के साथ।

Formula: Value = A × ((1 + i)^n − 1) ÷ i × (1 + i), where A is the monthly amount, i the monthly return (annual ÷ 12 ÷ 100) and n the number of months.

Ready-made scenarios (198)

₹500/month

₹1,000/month

₹2,000/month

₹3,000/month

₹5,000/month

₹10,000/month

₹15,000/month

₹20,000/month

₹25,000/month

₹50,000/month

₹1,00,000/month

Frequently asked

What return should I assume for a SIP?

Equity mutual funds in India have historically delivered 10–14% a year over 10+ year periods, but returns are not guaranteed. 12% is the common planning assumption; run 10% as a conservative case.

Does the SIP date matter?

Over long periods the SIP date makes a negligible difference. Consistency and staying invested through market falls matter far more than timing.

What is a step-up SIP?

Increasing the SIP amount every year (say 10%) as your income grows. A 10% annual step-up on a 20-year SIP roughly doubles the final corpus compared with a flat SIP.