SIP Calculator
See exactly how much your monthly SIP can grow — with step-up support, real-time charts, and zero guesswork. Built for Indian investors.
₹500
Minimum SIP
12%+
Avg. equity returns
30 yrs
Max horizon
10x
Wealth multiplier
Did you know?
A monthly SIP of just ₹10,000 at 12% p.a. grows to over ₹3.5 Crores in 30 years — on a total investment of ₹36 Lakhs.
Plan your future with precision.
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Everything You Need to Know About SIPs
Understand the math behind the magic, avoid common investor pitfalls, and learn how small disciplined investments create generational wealth.
How a SIP Calculator Works
A SIP calculator uses the Future Value of an Annuity Due formula — investments made at the start of each period, compounded monthly.
Formula
Live Example
₹10,000/month · 10 years · 12% annual returns
₹11.23 Lakhs of pure returns on ₹12 L invested.
How to Start a SIP in 5 Simple Steps
A proven framework that takes you from zero to a fully automated investment in a single afternoon.
Define Your Goal
Identify what you are investing for — retirement, child's education, home purchase, or wealth creation. Your goal determines the tenure and fund type.
Choose the Right Fund
Match the fund category to your time horizon. Large-cap for 5+ years, mid/small-cap for 7+ years. Always check the fund's 5-year and 10-year track record.
Decide Your SIP Amount
Use the SIP calculator above to work backwards from your target corpus. Start with what you can afford — even ₹1,000/month compounds significantly over decades.
Automate & Forget
Set up an auto-debit mandate so the SIP runs automatically on a fixed date each month. Remove the temptation to skip — consistency is the single biggest driver of SIP success.
Review Annually
Review your portfolio once a year — not monthly. Check if the fund is still on track relative to its benchmark. Rebalance if needed. Step up your SIP amount by 10–15% annually.
How SIPs Grow Over Time
Assuming a consistent 12% annual return (CAGR). Illustrative only.
| Monthly SIP | 10 Years | 15 Years | 20 Years | 30 Years |
|---|---|---|---|---|
| ₹5,000 | ₹11.6 L | ₹25.2 L | ₹49.9 L | ₹1.76 Cr |
| ₹10,000 | ₹23.2 L | ₹50.4 L | ₹99.9 L | ₹3.52 Cr |
| ₹20,000 | ₹46.4 L | ₹1.01 Cr | ₹2.00 Cr | ₹7.05 Cr |
| ₹50,000 | ₹1.16 Cr | ₹2.52 Cr | ₹4.99 Cr | ₹17.6 Cr |
* Actual returns are subject to market risks. Past performance does not guarantee future results.
SIP vs. Lump Sum
Key Benefits
Automates saving before you can spend it. Invisible by default.
Reinvesting returns over decades leads to exponential, not linear, growth.
Start with as little as ₹500/month. Accessible to everyone.
LTCG on equity MFs taxed at 10% (above ₹1 L/year) — far lower than income tax slabs.
Pause, stop, increase, or switch your SIP anytime. No lock-ins (except ELSS).
Common Mistakes
Market dips are when your SIP buys the most units. Stopping is the worst thing you can do.
Inflation erodes fixed SIP value. Step-up by 10% annually to stay ahead.
Past returns do not predict future performance. Consistency beats chasing.
10 SIPs often just replicate each other. 3–5 well-chosen funds is optimal.
Frequently Asked Questions
Everything first-time investors ask before starting their SIP journey — answered clearly, without jargon.