SIP Calculator
Calculate the future value of your monthly SIP (Systematic Investment Plan) investments. See how disciplined investing harnesses the power of compounding to build substantial wealth.
Investment Details
Monthly Investment
₹10,000
Expected Annual Return
12%
Investment Period
10 yr
Investment Breakdown
Total Value
₹23.6L
Invested
Returns
Total Invested
₹12,00,000
Est. Returns
₹11,61,695
Total Corpus
₹23,61,695
Wealth Gain
+96.8%
Absolute Return
1.97x
📅 Year-wise Growth Breakdown
| Year | Monthly SIP | Total Invested | Returns | Total Value |
|---|
SIP Formula
FV = M × {[(1 + r)ⁿ − 1] ÷ r} × (1 + r)
M = Monthly investment amount | r = Monthly rate (Annual Rate ÷ 12 ÷ 100) | n = Total months (Years × 12)
💡 Example Scenarios
Beginner
Starter SIP Plan
A modest plan for someone just beginning their investment journey. Builds the habit of regular investing.
₹5,000/month12% return10 years
Wealth Builder
Mid-Term Corpus Creation
A growth-focused plan targeting substantial wealth over 15 years through equity mutual funds.
₹15,000/month14% return15 years
Retirement
Retirement Corpus Builder
Long-term wealth creation for a comfortable retirement. See compounding work its magic over 25 years.
₹25,000/month12% return25 years
📖 How to Use
1
Set your Monthly SIP Amount
Enter the amount you plan to invest each month. It can be as low as ₹500. Consistency matters more than the amount — starting small and staying consistent beats large irregular investments.
2
Choose a Realistic Return Rate
Equity mutual funds have historically delivered 12–15% CAGR over long periods. Use 10–12% for conservative planning, 14–16% for aggressive equity exposure. Debt funds typically return 6–8%.
3
Set Your Investment Duration
Longer duration = significantly higher corpus due to compounding. Even 2–3 extra years can double your returns. The last few years of a long SIP contribute the most growth.
4
Analyse the Results
Review total corpus, returns earned, and the year-wise breakdown. Use the chart to see how much of your wealth was self-invested vs earned from market returns. Try the example scenarios to explore different strategies.