SIP Calculator

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals, usually every month. Each instalment buys units at that day’s price, so you automatically buy more units when prices are low and fewer when they are high.

Each monthly instalment compounds for the months it stays invested. The total is FV = P × [(1 + i)^n − 1] ÷ i × (1 + i), where P is the monthly amount, n the number of months and i the monthly rate. This calculator converts the annual return r with i = (1 + r)^(1/12) − 1, so 12% a year means exactly 12% a year.

No. Mutual fund returns depend on the markets and vary from year to year; over short periods they can be negative. The calculator assumes a steady annual return to show what your plan could become, so treat the results as estimates rather than promises.

Use a realistic long-run figure for the kind of fund you plan to use. Debt funds have historically returned roughly 6–8% a year and broad equity indices roughly 11–13% over long periods, but past performance doesn’t guarantee future returns. Erring on the conservative side keeps your plan safe.

A step-up (or top-up) SIP raises your instalment by a fixed percentage every year, say 10% in line with pay hikes. Because the extra money compounds too, even a modest step-up makes a big difference over 15–20 years.

At a 12% annual return, about ₹44,600 a month gets you to ₹1 crore in 10 years, about ₹21,000 in 15 years and about ₹10,900 in 20 years. Switch to Goal mode to work it out for your own target, timeline and step-up.

Inflation shrinks what money can buy. At 6% inflation prices double roughly every 12 years, so ₹1 crore twenty years from now buys about what ₹31 lakh buys today. Turn on inflation to see results in today’s money, or to set a goal in today’s terms.

With a lump sum ready and a long horizon, investing it at once gives it more time to compound. SIPs suit a regular income, lower the risk of investing everything at a market peak, and build the habit. Many investors do both.

Results are before tax: gains are taxed as capital gains when you redeem, under the rules in force at the time. Fund expenses are already reflected in a fund’s reported returns, so use net-of-cost figures as your expected return.

Yes. Sipculator is completely free, needs no sign-up and works on phones and computers. Every calculation runs in your browser, so the numbers you enter never leave your device.

The maths is exact for the inputs you give it, but real fund returns change every year while the calculator assumes a steady rate. Use it to compare plans and set targets, and expect the actual result to be higher or lower.

Many mutual funds in India accept SIPs from ₹100 to ₹500 a month, though the minimum varies by fund. You can enter any amount in the SIP calculator to see how even a small monthly investment adds up.