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  • Deprecated function: Creation of dynamic property Drupal\tablefield\TableValue::$value is deprecated in Drupal\Core\TypedData\TypedData->setValue() (line 102 of core/lib/Drupal/Core/TypedData/TypedData.php).
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  • Deprecated function: Creation of dynamic property Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::$ModuleHandler is deprecated in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct() (line 57 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
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SIP Calculator

See what a monthly investing habit grows into — amount, tenure and expected return in, invested value, returns and total corpus out.

Year-wise growth
Year Invested Value at year end
1 ₹1,80,000 ₹1,95,317
2 ₹3,60,000 ₹4,22,032
3 ₹5,40,000 ₹6,85,192
4 ₹7,20,000 ₹9,90,656
5 ₹9,00,000 ₹13,45,225
6 ₹10,80,000 ₹17,56,793
7 ₹12,60,000 ₹22,34,522
8 ₹14,40,000 ₹27,89,049
9 ₹16,20,000 ₹34,32,717
10 ₹18,00,000 ₹41,79,859
11 ₹19,80,000 ₹50,47,107
12 ₹21,60,000 ₹60,53,769
13 ₹23,40,000 ₹72,22,257
14 ₹25,20,000 ₹85,78,584
15 ₹27,00,000 ₹1,01,52,946

What is a SIP?

A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund at a fixed interval — usually every month. Instead of timing the market with one big decision, you buy through its ups and downs, and your money compounds: the returns earned each year start earning returns of their own.

This calculator projects what that habit grows into. Enter the amount, how long you will invest, and the annual return you expect; it shows the invested total, the estimated returns, the final corpus, and the year-by-year path — in lakh and crore figures you can actually read.

The SIP formula

FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)

  • FV — the future value of your investment (what the calculator shows as Total value)
  • P — the amount you invest each period
  • i — the periodic rate: your expected annual return ÷ 12 for monthly SIPs
  • n — the number of instalments (months × years)

The final × (1 + i) term is there because each SIP instalment is invested at the start of its period, so every rupee gets one extra period of growth. This is the same convention used across the industry.

How to use this calculator

  1. Choose SIP for a recurring monthly investment, or Lumpsum for a one-time amount.
  2. Enter the amount — the slider and box stay in sync.
  3. Set the expected annual return. Equity funds have historically delivered 10–14% over long periods; 12% is a common planning assumption.
  4. Set the time period in years (add months or days for exact horizons).
  5. Optionally switch on the inflation view to see the corpus in today's purchasing power.

Results update as you type. Open Year-wise growth under the widget to see how the corpus builds — notice how the later years contribute far more than the early ones. That is compounding, and it is the reason starting early beats starting big.

A worked example

₹15,000 a month for 15 years at 15% p.a.:

  • Invested: 180 instalments × ₹15,000 = ₹27,00,000
  • Estimated returns: ₹74,52,946
  • Total value: ₹1,01,52,946 — about ₹1.02 crore

Nearly three-quarters of the final corpus is growth, not contributions. At the 8-year halfway mark the corpus is only around ₹27 lakh — the last five years do most of the work.

What different SIPs grow into (12% p.a.)

Monthly SIP 10 years 20 years 30 years
₹5,000 ₹11.6 L ₹49.9 L ₹1.76 Cr
₹10,000 ₹23.2 L ₹99.9 L ₹3.53 Cr
₹15,000 ₹34.9 L ₹1.50 Cr ₹5.29 Cr
₹25,000 ₹58.1 L ₹2.50 Cr ₹8.82 Cr

Figures use the monthly annuity-due convention at 12% p.a., rounded for readability. Run your own numbers in the calculator above.

SIP or lumpsum — which suits you?

A lumpsum puts the full amount to work immediately, so it wins when markets rise steadily from day one — but it also concentrates all your timing risk in a single day. A SIP spreads that risk: when markets dip, the same instalment buys more units, which lowers your average cost.

For most salaried investors the practical answer is a SIP — it matches how income arrives, builds the habit automatically, and needs no market view. Use the toggle above to compare both on your own numbers.

SIP questions, answered

Quick answers on amounts, returns, flexibility and tax. For anything specific to your filing, our support team is a message away.