On this page
What will my SIP grow to?
You invest a fixed amount every month; this shows the corpus at the end of your chosen period.
CALCULATE RETURNS
Plan Your Investment
Potential Value After 10 Years
₹11.6L
₹5,000
10Y
1Y40Y
12% Annual
Invested Amount
₹6.0L
Estimated Returns
₹5.6L
Total Value
₹11.6L
Wealth Growth Projection
InvestmentReturns
1Y5Y10Y
Note: Returns are calculated based on the selected investment plan. Actual returns may vary based on market conditions and fund performance.
REVERSE THE QUESTION
How much a month reaches your goal?
Most calculators start from what you can invest. Start from what you want instead.
I want
in
You need to invest
₹5,000 / per month
That is about ₹170 a day
At 12% p.a., monthly compounding. An estimate to size the habit, not a promise of returns.
READY RECKONER
What a monthly SIP can become
| Monthly SIP | 10 years | 20 years | 30 years |
|---|---|---|---|
| ₹500 | ₹1.2 L | ₹5 L | ₹17.6 L |
| ₹1,000 | ₹2.3 L | ₹10 L | ₹35.3 L |
| ₹2,500 | ₹5.8 L | ₹25 L | ₹88.2 L |
| ₹5,000 | ₹11.6 L | ₹50 L | ₹1.76 Cr |
| ₹10,000 | ₹23.2 L | ₹99.9 L | ₹3.53 Cr |
At 12% p.a., monthly compounding. Illustration only — mutual fund investments are subject to market risks.
FIND YOUR NUMBER
Which number are you trying to find?
Every calculator answers exactly one question. Here is the map — the three marked live are on this page.
On this page
What monthly SIP reaches my goal?
You know the target and the deadline; this works backwards to the instalment you need.
On this page
What if I invest one lump sum?
A single investment compounding untouched — useful for a bonus, maturity proceeds or a windfall.
How much can I withdraw monthly?
SWP: a fixed monthly withdrawal from an existing corpus, and how long that corpus lasts.
What does a step-up do?
Raising the SIP a little every year, usually with your salary, changes the corpus far more than people expect.
What return did I actually earn?
XIRR: the true annualised return when money went in on many different dates, which is how real SIPs work.
What tax will I pay on gains?
Equity and debt funds are taxed differently, and holding period decides the rate. Your statements carry the numbers.
What does an EMI cost me?
Worth checking beside a SIP: a loan compounds against you at a rate you rarely control.
SMART RULES
Three rules worth more than tips
Rule of 72
Divide 72 by your annual return to know how fast money doubles. At 12%, roughly every 6 years — ₹1 lakh becomes ₹2 lakh, then ₹4 lakh, then ₹8 lakh.
Time beats timing
Nobody catches the perfect day. ₹100 a day for 30 years at 12% is ₹1 crore+ — the entry date barely matters, the years invested do.
50-30-20
50% needs, 30% wants, 20% invested before you can spend it. Automate the 20% with a SIP and the budget runs itself.
PLAIN ENGLISH
How a SIP calculator actually works
What it is
A SIP calculator is arithmetic, not advice. You give it three inputs — the amount you invest each month, how many years you keep going, and a rate of return you assume — and it tells you what that stream of instalments becomes if that rate holds. It is the fastest way to turn a vague intention ("I should invest more") into a number you can act on.
The formula behind it
Each instalment compounds for a different length of time — your first one grows for the full tenure, your last one for a single month. Summing that series gives the standard future-value formula: FV = P × [ (1 + i)ⁿ − 1 ] ÷ i × (1 + i), where P is the monthly amount, i the monthly rate (annual ÷ 12) and n the number of instalments. Every SIP calculator on the internet, including ours, is this one line.
Why the rate is an assumption, not a fact
Mutual funds are market-linked. A 12% assumption is a long-term equity convention, not a rate anyone can promise you — some years will be far better, some negative. Move our slider between 8% and 15% and watch the corpus swing: that spread is the honest picture, and anyone quoting you a single guaranteed number is selling something else.
What it cannot tell you
It ignores exit load and the scheme's expense ratio, it assumes you never miss an instalment, and it says nothing about tax on redemption. Treat the output as the shape of the outcome, not the rupee figure you will see in your account.
How to use it well
Run it three ways. Once with the amount you are sure you can afford every month — that is your floor. Once with a rate 3-4 points lower than you hope — that is your bad decade. Once with five more years than you planned — that is the cheapest upgrade available to you, and usually the most powerful.
SIP or lump sum?
A lump sum puts every rupee to work immediately, which wins when markets rise steadily from the day you invest. A SIP buys more units when prices fall and fewer when they rise, which removes the need to guess the right day. Most people have a salary, not a windfall, so the SIP is not a strategy choice — it is simply how their money arrives.
Five minutes is all it takes
Paperless KYC, SIPs from ₹100, and a real advisor when you need one — start today.