📅 SIP Calculator
See exactly how your monthly SIP compounds into wealth — with year-by-year growth table, monthly breakdown, inflation-adjusted value, and key insights. Free and instant.
* Estimates only. Mutual fund investments are subject to market risks.
Key Insights — tap any card for details
📊 Year-by-Year Breakdown
| Year | Invested | Est. Value | Total Returns | Yearly Gain | Growth % | Progress |
|---|---|---|---|---|---|---|
| Year 1 | ₹60,000 | ₹64,047 | +₹4,047 | +₹4,047 | 6.7% | |
| Year 2 | ₹1.20 L | ₹1.36 L | +₹16,216 | +₹12,169 | 13.5% | |
| Year 3 | ₹1.80 L | ₹2.18 L | +₹37,538 | +₹21,322 | 20.9% | |
| Year 4 | ₹2.40 L | ₹3.09 L | +₹69,174 | +₹31,636 | 28.8% | |
| Year 5 | ₹3.00 L | ₹4.12 L | +₹1.12 L | +₹43,258 | 37.5% | |
| Year 6 | ₹3.60 L | ₹5.29 L | +₹1.69 L | +₹56,353 | 46.9% | |
| Year 7 | ₹4.20 L | ₹6.60 L | +₹2.40 L | +₹71,110 | 57.1% | |
| Year 8 | ₹4.80 L | ₹8.08 L | +₹3.28 L | +₹87,738 | 68.3% | |
| Year 9 | ₹5.40 L | ₹9.74 L | +₹4.34 L | +₹1.06 L | 80.4% | |
| Year 10 | ₹6.00 L | ₹11.62 L | +₹5.62 L | +₹1.28 L | 93.6% |
📅 Monthly Breakdown
| Month | Cumulative Invested | Est. Value | Total Returns | Interest This Month |
|---|---|---|---|---|
| Jan (M1) | ₹5,000 | ₹5,050 | +₹50 | +₹50 |
| Feb (M2) | ₹10,000 | ₹10,151 | +₹151 | +₹101 |
| Mar (M3) | ₹15,000 | ₹15,302 | +₹302 | +₹151 |
| Apr (M4) | ₹20,000 | ₹20,505 | +₹505 | +₹203 |
| May (M5) | ₹25,000 | ₹25,760 | +₹760 | +₹255 |
| Jun (M6) | ₹30,000 | ₹31,068 | +₹1,068 | +₹308 |
| Jul (M7) | ₹35,000 | ₹36,428 | +₹1,428 | +₹360 |
| Aug (M8) | ₹40,000 | ₹41,843 | +₹1,843 | +₹415 |
| Sep (M9) | ₹45,000 | ₹47,311 | +₹2,311 | +₹468 |
| Oct (M10) | ₹50,000 | ₹52,834 | +₹2,834 | +₹523 |
| Nov (M11) | ₹55,000 | ₹58,413 | +₹3,413 | +₹579 |
| Dec (M12) | ₹60,000 | ₹64,047 | +₹4,047 | +₹634 |
What is SIP & How Does It Work?
A Systematic Investment Plan (SIP) invests a fixed amount every month in a mutual fund, regardless of market conditions. When markets are low, your ₹5,000 buys more units. When they're high, fewer. Over years, this rupee-cost averaging lowers your effective purchase price — and compounding turns small monthly contributions into significant wealth.
Rupee-Cost Averaging
Market crashes work in your favour. When prices fall, your fixed SIP amount buys more units — automatically lowering your average cost without any manual effort.
Power of Compounding
Interest earns interest. The gains in your 15th year compound on all the gains from years 1–14. This acceleration is why ₹5K/month over 20 years can beat ₹10K/month over 10 years.
Financial Discipline
SIP auto-debits on a fixed date every month — making investing as automatic as paying rent. You never have to decide when to invest or remember to do it.
SIP vs FD vs RD vs PPF vs Direct Stocks
How does a SIP in mutual funds compare to other popular savings options in India? Here's an honest, data-driven comparison.
| Parameter | SIP (Equity MF) | Bank FD | Recurring Deposit | PPF | Direct Stocks |
|---|---|---|---|---|---|
| Expected return | 10–15% p.a. | 6.5–7.5% | 5.5–7% | 7.1% (current) | Varies widely |
| Returns guaranteed? | No | Yes | Yes | Yes | No |
| Market risk | Moderate | None | None | None | Very high |
| Lock-in | None | Penalty on exit | Penalty on exit | 15 years | None |
| Tax on gains | 12.5% LTCG >₹1L | Slab rate | Slab rate | Tax-free | 12.5% LTCG |
| Min investment | ₹500/month | ₹1,000 | ₹100/month | ₹500/year | 1 share |
| Inflation-beating? | Yes (historically) | Marginal | No | No | Yes (variable) |
| Expertise needed | Low | None | None | None | High |
5 SIP Mistakes That Silently Destroy Wealth
Most SIP investors make at least one of these mistakes. Avoiding them can mean the difference between a good and a great investment outcome.
Stopping SIP During a Crash
The worst possible time to pause a SIP is when markets fall. That's when your fixed amount buys the most units — redeeming or stopping here locks in losses and misses the best recovery gains.
Redeeming Units for Short-term Needs
SIP works through compounding. Breaking it midway resets the clock. Keep a 6-month emergency fund in liquid funds so you never need to touch your equity SIP before the goal date.
Too Many Funds (Over-Diversification)
Investing ₹500 in 20 different funds doesn't diversify — it just creates complexity. 2–4 funds across large-cap, mid-cap, and flexi-cap categories cover 95% of the market efficiently.
Ignoring Expense Ratio
A 1.5% vs 0.5% expense ratio difference sounds small. Over 20 years on a ₹10,000/month SIP at 12%, that 1% difference costs you approximately ₹10–15 lakh in lost compounding.
Not Increasing SIP with Income
A flat ₹5,000 SIP started at 25 is worth much less in real terms at 45 due to inflation. Increasing your SIP by 10% every year (Step-up SIP) is the single highest-leverage habit you can build.
How to Use This SIP Calculator
Set your monthly investment
Enter the amount you plan to invest each month. Even ₹1,000/month, started at age 25, can build a significant retirement corpus.
Set expected annual return
Use 10–12% for diversified equity funds, 6–7% for debt funds, 8–10% for balanced funds. Historical large-cap equity average is ~12%.
Set the time period
SIP works best over 10+ years. At 12%, money doubles every 6 years (Rule of 72). Longer duration = exponentially more wealth.
Explore the insights
Scroll past the calculator to see year-by-year growth, monthly breakdown for any year, and key metrics like wealth multiplier, inflation-adjusted value, and FD comparison.
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SIP Calculator — Frequently Asked Questions
What is SIP?
A SIP (Systematic Investment Plan) invests a fixed amount monthly in a mutual fund. It uses rupee-cost averaging to reduce purchase cost and compounding to grow wealth over time — no market timing needed.
What is the minimum SIP amount?
Most fund houses allow SIPs from ₹500/month. Some offer ₹100/month micro-SIPs. There is no upper limit.
How does the calculator compute returns?
Using the Future Value of Annuity Due formula: FV = P × [(1+r)^n − 1] / r × (1+r), where P = monthly amount, r = monthly rate, n = months.
Are SIP returns guaranteed?
No. SIP returns are market-linked. Equity funds have historically given 10–15% CAGR over 10+ years but past performance doesn't guarantee future results.
Can I get tax benefits on SIP?
Yes — SIP in ELSS funds qualifies for ₹1.5L deduction under Section 80C with just a 3-year lock-in, the shortest among all 80C options.
Should I continue SIP during a market crash?
Absolutely. A crash means more units at lower prices. When markets recover, those extra units deliver amplified returns. Stopping during a crash locks in losses and misses the recovery.
SIP vs Recurring Deposit — which is better?
RD: guaranteed 5.5–7.5%, zero risk. Equity SIP: 10–15% historically, with volatility. For 5+ year goals, SIP has consistently outperformed RD. For under 3 years, RD is safer.
What if I miss a SIP payment?
No penalty for 1–2 missed months — the SIP just skips. After 3 consecutive misses some AMCs pause the SIP automatically. No late charges apply.
How often should I increase my SIP?
Increase by 10–15% every year with salary hikes. This Step-up SIP approach can create 2–3x more wealth than a fixed SIP over 20 years with minimal extra strain.
When is the best time to start a SIP?
Today. Starting 5 years earlier at the same amount creates 2–3x more wealth purely through compounding. Time in the market beats timing the market for SIP investors.