Investment calculator

SIP Calculator

Grow a fixed monthly investment over time. Adjust the sliders or type exact values — results update instantly.

Your inputs

Future value
₹1,26,14,400
≈ ₹1.26 Cr
64%of total
  • Total invested₹45,00,000
  • Estimated gains₹81,14,400
Total invested
₹45,00,000
Estimated gains
₹81,14,400
Wealth multiple
2.80x
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. PlusFinance distributes mutual funds as an AMFI-registered distributor (ARN-325664); figures shown on this site are illustrative and not a promise of returns. The return rate in this calculator is your own assumption, not a forecast.
How it works

How the SIP calculator works

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund instead of investing a lump sum all at once. This calculator projects how a monthly SIP grows over time by compounding your returns month over month, assuming the rate of return you expect from the fund.

Enter your monthly investment amount, expected annual return, and investment period to see your total invested amount, the estimated gains, and the final corpus you could build. SIP is popular in India because it enforces disciplined investing and averages out market volatility (rupee-cost averaging) rather than timing a single large entry.

For example, a ₹10,000/month SIP at an assumed 12% annual return grows to roughly ₹23.2L over 10 years (₹12L invested, ₹11.2L in gains) — and to roughly ₹1.9Cr over 25 years on just ₹30L invested, since most of the corpus in the later years comes from compounding, not fresh contributions.

FAQ

Frequently asked questions

What is a SIP?
A SIP (Systematic Investment Plan) is a method of investing a fixed sum in a mutual fund scheme at regular intervals — usually monthly — instead of investing the entire amount at once.
How is SIP return calculated?
Each monthly instalment grows at the assumed annual rate, compounded monthly, from the date it is invested until the end of the tenure. Later instalments have less time to grow than earlier ones, which is why the final value depends on both the return rate and the duration.
Is the SIP return in this calculator guaranteed?
No. Mutual fund returns are market-linked and not guaranteed. This calculator uses the expected rate of return you enter to project a possible outcome — actual returns will vary with market performance.
What is a good SIP amount to start with?
There is no universal number — it depends on your income, expenses, and goals. A common starting approach is to commit whatever you can invest consistently every month without straining your monthly budget, and increase it over time (see the Step-up SIP calculator).
Keep exploring

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Lumpsum Calculator

Future value of a one-time investment.

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Step-up SIP

SIP that increases by a fixed % every year.

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Goal SIP

Monthly SIP needed to reach a target corpus.

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