SIP Calculator
Find out how much a monthly SIP (Systematic Investment Plan) could grow to. Move the sliders for your monthly amount, time period and expected yearly return. The chart shows how much of the final value is your own money and how much is growth.
Your SIP estimate
மாதம் ஒரு சிறு முதலீடுIllustration only. Mutual fund returns are not guaranteed and change with the market.
How to use this calculator
- Choose how much you can invest every month.
- Pick how many years you plan to stay invested.
- Set an expected yearly return. Lower is safer for planning.
Formula
M = P × [ (1 + i)n − 1 ] ÷ i × (1 + i)
P is the monthly SIP, i is the monthly return (yearly return ÷ 12 ÷ 100) and n is the number of months. This assumes you invest at the start of each month.
Example
A SIP of ₹5,000 a month for 15 years at 12% a year means you invest ₹9,00,000. It could grow to about ₹25.23 L, so roughly ₹16.23 L is growth.
SIP Calculator: common questions
Are SIP returns guaranteed?
No. SIPs in equity and hybrid mutual funds move with the market, so the final value can be higher or lower than the calculator shows. Use the result as a planning estimate, not a promise.
What return should I assume in a SIP calculator?
Use a conservative number. Many people plan long-term equity SIPs at 10% to 12% a year and debt funds at 6% to 7%, but past returns do not guarantee future returns. Try a lower rate to see a safer case.
Can I stop or pause my SIP anytime?
In most open-ended mutual funds you can stop a SIP anytime without a penalty. Exit loads may apply if you withdraw units early, and each ELSS instalment has a 3-year lock-in.
Is it better to start a small SIP now or a bigger one later?
Starting early usually matters more than starting big, because each rupee gets more years to compound. Try the calculator with the same total amount over 20 years versus 10 years to see the difference.
More free calculators
Inflation Calculator
பணவீக்கம் கால்குலேட்டர்Find out what today's expenses will cost in 5, 10 or 20 years.
Open calculator →Emergency Fund Calculator
அவசர நிதி கால்குலேட்டர்Work out how much safety money your family should keep aside.
Open calculator →50-30-20 Budget Calculator
50-30-20 பட்ஜெட் கால்குலேட்டர்Split your salary into needs, wants and savings in seconds.
Open calculator →