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SIP calculator

See what a monthly SIP could grow to, compare it with a one-time lumpsum, or work out the SIP needed to reach a target. For learning only.

Expected return is an assumption you choose — it is not guaranteed. Equity returns vary and can be negative over short periods.

Future value
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How to use this calculator

A SIP (Systematic Investment Plan) is simply investing a fixed amount every month. Enter your monthly amount, the return you expect per year, and how many years you'll stay invested — the tool shows what the total could grow to, how much of that is your own money, and how much is growth.

What the numbers mean

  • Invested — the total you put in (monthly amount × number of months).
  • Future value — the estimated total at the end, if your money grows at the return you entered.
  • Wealth gained — future value minus what you invested; the part that came from compounding.

The formula

With monthly rate i (annual rate ÷ 12) and m months, a SIP grows to: FV = P × [((1+i)m − 1) ÷ i] × (1+i). The "Reach a goal" tab runs this in reverse to find the monthly amount needed.

How to read it sensibly

Small changes in the return rate or the number of years make a big difference over time — that's compounding. But a higher assumed return also means higher risk, and real returns are never a straight line. Treat the result as a planning estimate, not a promise.

Read: SIP — the simplest way to build wealth →

Educational tool only, not investment advice or a recommendation. Investments in the securities market are subject to market risks. Past performance is not indicative of future results.