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SIP Calculator
How much will my SIP grow to?
See how a monthly mutual fund SIP compounds over time — and what it could become.
Your investment could grow to
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Wealth gained
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Get my free plan →Figures are indicative estimates based on your assumptions and a constant rate of return. Actual mutual fund returns vary with the market and are not guaranteed. This is not investment advice.
📊 How this is calculated
A SIP invests a fixed amount every month, and each instalment compounds separately until you redeem — so your earliest instalments grow the most. The calculator adds up the future value of every monthly instalment at your expected rate of return.
It uses the standard future value of a monthly annuity: each month's investment is compounded at your expected monthly return for the months remaining, and all instalments are summed. "Wealth gained" is the final value minus the total you actually invested.
What is a SIP and how does it grow?
A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund every month, instead of a single lump sum. Because each instalment stays invested and earns returns that themselves earn returns, your money grows through compounding — and the longer you stay invested, the more dramatic the growth becomes. SIPs also average your purchase cost across market ups and downs, which reduces the risk of investing everything at the wrong time.
Why time matters more than amount
Because of compounding, starting earlier often matters more than investing more. A modest SIP begun in your late twenties can outgrow a much larger SIP started a decade later, simply because the early money has more years to compound. This is why the best time to start a SIP is almost always now.
How is SIP return calculated?
Each monthly instalment earns compounding returns until you redeem, so early instalments grow the most. The calculator uses the future value of a monthly annuity — compounding every instalment at your expected monthly return over the period and adding them together.
What return can I expect from a SIP?
Equity mutual fund SIPs in India have historically returned roughly 10–14% per year over long periods, though this is not guaranteed and varies with the fund and market. Debt and hybrid funds typically return less with lower risk.
Is SIP better than lumpsum?
A SIP spreads investment across time, averaging your cost and reducing timing risk. A lumpsum can outperform if timed well, but a SIP is easier to sustain and less risky for most investors.