SIP Calculator
Explore what regular investing, increasing your SIP, inflation and a specific goal could mean for your plan. Change any assumption to see the numbers update.
What could your SIP become?
See the potential value of a fixed monthly investment.
Estimated Value After 15 Years
₹41,44,703
Monthly investments are assumed at the end of each month. A step-up applies once every 12 months. Returns are compounded monthly at the annual rate divided by 12; inflation is compounded annually. Figures are rounded for display and exclude taxes, fees and changes in market value. Rates are editable assumptions, not forecasts or promises. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. This educational illustration is not personalised investment advice.
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Frequently Asked Questions
What is a SIP (Systematic Investment Plan)?
A SIP is a way of investing a fixed amount in a mutual fund scheme at regular intervals — usually monthly. It helps you build wealth gradually, benefit from rupee-cost averaging and stay disciplined regardless of market ups and downs.
How does this SIP calculator work?
It uses your monthly investment, expected annual return and investment duration to project the future value of your investments, assuming returns are compounded monthly. The result shows your total invested amount, the estimated returns earned and the overall maturity value.
Are the returns shown guaranteed?
No. The figures are only indicative and based on the expected return rate you enter. Actual mutual fund returns are market-linked and can be higher or lower. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Can I change my SIP amount later?
Yes. Most mutual funds let you increase, decrease, pause or stop your SIP. You can also use a step-up SIP to raise your contribution periodically as your income grows.
What return rate should I assume?
It depends on the type of fund. Equity funds have historically delivered around 10–14% over the long term, while debt funds are typically lower. Use a conservative estimate and remember that past performance does not guarantee future results.