SIP Calculator
Enter monthly SIP, expected annual return and tenure to see future value and total gain.
About SIP calculations
SIP returns assume a steady annualized return compounded monthly. Use conservative figures for planning purposes.
What a projection can — and can't — promise
A SIP projection is a useful map, not a guarantee. It assumes a steady annual return compounded month after month, but real markets don't move in straight lines. Use a sober rate of return when you plan — somewhere in the low double digits for equity funds, lower for debt — rather than the headline figure from a bull run. The point isn't to predict the future precisely; it's to see roughly what disciplined monthly investing can build.
Why starting early beats investing more
The single biggest driver in the chart below isn't the amount — it's time. Money invested in your twenties has decades to compound on itself, and those early years do a startling amount of the heavy lifting. Someone who starts small and early often ends up ahead of someone who starts big and late. If you're weighing monthly investing against putting in a lump sum, our piece on SIP vs lump sum walks through the trade-offs.
Frequently Asked Questions
Is SIP risk-free?
No, SIP returns are market-linked and not guaranteed. Equity SIPs carry market risk, meaning the NAV can go up or down. However, long-term SIPs (10+ years) in diversified equity funds have historically delivered good inflation-beating returns.
What is a good SIP return rate to use for calculations?
For equity mutual funds, 10–12% per annum is commonly used for conservative projections. For debt funds, 6–8% is more realistic. Always use a moderate assumption for long-term planning rather than relying on peak past returns.
Can I stop or pause a SIP anytime?
Yes. Most mutual fund SIPs allow you to pause, reduce, or stop investments without penalty. You can also increase your SIP amount (step-up SIP) annually to match income growth.
What is the minimum SIP amount in India?
Most mutual funds allow SIPs starting from ₹500 per month. Some funds even offer ₹100 SIPs. There is no upper limit on the SIP amount you can invest.