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Free Financial Tool

SIP Calculator

Estimate the future value of your monthly investments

Plan your financial future with our simple SIP calculator. See how regular monthly investments can grow over time with the power of compounding.

Calculate Your SIP Returns

₹
Enter a monthly investment from ₹0 to ₹1,00,00,00,000.
Enter a whole number of years from 1 to 60.
Enter an annual return from 0% to 30%.

Assumes a fixed contribution at the start of each month and an effective annual return. For example, 12% means 12% growth over a full year. Contributions do not increase automatically.

Your Investment Results

Total Invested
₹26,83,152
Estimated Value
₹50,36,664
Total Gain
₹23,53,512
How to read this estimate: Values use month-start contributions and the same annual return conversion as the financial planner. They are future rupees before taxes, fees and inflation. Real returns vary; this constant-return illustration is not a guaranteed outcome.

Understanding SIP

Disciplined Investing

SIP encourages regular, automated investments regardless of market conditions, helping you avoid emotional decisions and build wealth systematically.

Power of Compounding

Your returns generate their own returns over time. The longer your investment horizon, the more powerful compounding becomes.

Rupee Cost Averaging

Investing the same amount regularly means you buy more units when prices are low and fewer when high, potentially reducing average cost per unit.

Affordable Start

You don't need a large lump sum to begin. Many mutual funds allow SIPs starting at ₹500-1,000 per month, making investing accessible to everyone.

See how this fits your financial goals

Build a free financial plan with your income, expenses, existing savings and goals. You can explore different assumptions without signing up.

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Frequently Asked Questions

A SIP is a method of investing a fixed amount regularly (usually monthly) in mutual funds. Instead of investing a large lump sum, you invest smaller amounts consistently over time, which helps build discipline and benefit from rupee cost averaging.

No return is guaranteed. The rate is an assumption for this illustration, not a forecast. Try several values to see how sensitive the estimate is, and use the full planner to consider your goals and shortfalls.

No. The result is a future value before taxes, fees and inflation. Tax treatment depends on the investment and the rules applicable when it is sold. This tool does not calculate a post-tax amount or today's purchasing power.

Yes, most mutual funds allow you to increase, decrease, pause, or stop your SIP at any time. Some funds also offer a "step-up SIP" feature where your investment amount automatically increases by a fixed percentage each year, helping you invest more as your income grows.

Use this estimate in a household plan

This tool assumes a fixed deposit at the start of each month and an effective annual return. It shows nominal future value before taxes, fees and inflation. A SIP is a way to invest regularly; it does not guarantee a profit. AMFI explains SIPs and their limits.

See a worked example of education saving alongside retirement, including starting later and lower returns.

Review calculation assumptions and sources · Read the financial planning guide

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