SIP Calculator

Grow your wealth with
precision

Calculate the future value of your Systematic Investment Plan and map out your financial goals.

Total Value

₹0

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Amount Invested

₹0

Over 0 months

Est. Returns

₹0

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💸 SIP Inputs

Monthly Investment (₹)

₹500₹1L

Expected Return Rate (p.a)

1%30%

Time Period (Years)

1 yr40 yrs

🍩 Breakdown

Invested —

Est. Returns —

Total Value

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📈 Growth Chart

Invested Amount Est. Returns

📅 Year-by-Year Schedule

Year	Invested Amount	Est. Returns	Total Value

⚡ Popular SIP Goals

🚀

Wealth Creator

₹10K · 15% · 20 yrs

🏡

Dream Home

₹5K · 12% · 15 yrs

🚗

Luxury Car

₹20K · 10% · 10 yrs

🌱

Starter SIP

₹2K · 12% · 5 yrs

Calculators

SIP EMI Home Loan Car Loan Personal Loan NPS PPF PF Retirement Salary Eligibility

Pro Tips

Power of Compounding

Longer duration = Exponential wealth.

Step-Up SIP

Increase SIP by 10% every year to beat inflation.

Consistency

Never stop your SIP in a falling market ✓

How it works

How a SIP builds wealth over time

A SIP is not just a payment schedule — it's a disciplined wealth-building system that works whether markets are rising or falling.

Set your monthly amount

Choose a fixed amount — as low as ₹500 — that auto-debits from your bank account on a set date each month. No need to remember or act manually.

Mutual fund buys units

Your money buys units of the chosen mutual fund scheme at the current NAV. You get more units when markets are down and fewer when they're up — this is Rupee Cost Averaging.

Compounding does the heavy lifting

Returns generated by your investment begin generating their own returns. The longer you stay invested, the more this compounding effect accelerates — exponentially, not linearly.

The 8th wonder of the world

Compound interest:
the force behind every great fortune

The biggest edge in SIP investing is time — not the amount you invest. Starting early with a smaller amount consistently outperforms starting late with a larger amount. The numbers are stark.

"Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it." — Attributed to Albert Einstein

👦 Rahul — starts at 22

Early starter

Monthly SIP₹5,000

Invests for38 years (till 60)

Total invested₹22.8L

Return rate12% p.a.

Corpus at 60

₹3.24 Cr

👨 Vikram — starts at 35

Late starter

Monthly SIP₹15,000

Invests for25 years (till 60)

Total invested₹45L

Return rate12% p.a.

Corpus at 60

₹2.80 Cr

The verdict: Rahul invests ₹22.2L less than Vikram but ends up with ₹44L more — purely because he started 13 years earlier. Time in the market always beats timing the market.

Why SIP

Why SIP is the smartest way to invest for most Indians

You don't need to time the market, pick the right stock, or invest a large lumpsum. SIP removes all of that complexity.

Fully automated discipline

Once set up, your SIP runs on autopilot. The auto-debit removes the temptation to skip months, delay investing, or wait for the "right time" — which statistically never comes.

Rupee Cost Averaging

Market volatility works in your favour with SIP. When prices fall, your fixed monthly investment buys more units. Over time, your average cost per unit is lower than the average market price.

Start with ₹500

SIPs require no large capital. You can begin with ₹500/month and scale up as income grows. There is no better way to build an investing habit than starting small and staying consistent.

Complete flexibility

Pause, stop, or increase your SIP at any time — no penalties, no lock-in (except ELSS). Unlike FDs or PPF, mutual fund SIPs give you full control and liquidity over your investment.

Strategy comparison

SIP vs Lumpsum — which is right for you?

Both approaches work — but they suit different investor profiles, risk appetites, and market conditions.

Factor	SIP	Lumpsum
Capital needed	₹500/month	Large amount
Market timing risk	Low	High
Returns potential	Moderate-High	High (if timed well)
Emotional discipline	Automated	Requires discipline
Best market condition	All conditions	After corrections
Suitable for	Salaried investors	Bonus / windfall
Rupee Cost Averaging	Yes	No

When to choose each

Choose SIP when…

You have a regular monthly income and want to invest systematically over a long period. SIP is the default strategy for salaried employees building wealth toward retirement, education, or a home.

→ Best for: Long-term goals · Salaried investors · New investors

Choose Lumpsum when…

You receive a bonus, inheritance, or asset sale proceeds and markets have just corrected significantly (down 20–30%). Lumpsum during deep market corrections can generate exceptional returns.

→ Best for: Market corrections · Bonus deployment · Experienced investors

Best of both: SIP + Lumpsum

The smartest strategy — run a regular SIP for discipline and deploy additional lumpsum investments during market dips. This combines systematic averaging with opportunistic investing.

→ Best for: Experienced investors with variable income

The multiplier strategy

Step-Up SIP — grow your investment as you grow

A Step-Up SIP (also called Top-Up SIP) increases your monthly investment amount by a fixed percentage every year — typically 10%. Since most salaried employees receive an annual increment, this ensures your investment grows in line with your income.

The impact is significantly larger than it intuitively seems. A 10% annual step-up on a ₹5,000 SIP over 20 years doesn't just add 10% more wealth — it nearly doubles the final corpus compared to a regular fixed SIP of the same starting amount.

This works because the step-up compounds on top of the existing SIP returns. In later years, the higher monthly amounts benefit from the same long compounding runway, creating a powerful multiplier effect.

How to set it up

Most mutual fund platforms (Zerodha Coin, Groww, ET Money, MF Central) offer Step-Up SIP as an option when creating a new SIP. Set step-up at 10% annually to automatically align your investing with your income growth.

₹5,000/month · 12% returns · 20 years

Regular SIP (fixed ₹5,000)

No step-up

Invested: ₹12L Corpus: ₹49.9L

Step-Up SIP (10% annual raise)

10% step-up

Invested: ₹34.3L Corpus: ₹1.07 Cr

2.14×

The Step-Up SIP builds a corpus 2.14x larger than a regular SIP with the same starting amount — turning a ₹5K/month habit into a ₹1 Crore corpus in 20 years.

Goal planning

Plan your SIP around real life goals

Every financial goal has a target corpus, a timeline, and a required monthly SIP. Here's what it looks like in practice.

🏡

Home down payment

₹30 Lakhs

Timeline10 years

Expected return12% p.a.

Monthly SIP needed≈ ₹13,200

Total invested≈ ₹15.8L

Calculate mine

🎓

Child's higher education

₹50 Lakhs

Timeline15 years

Expected return12% p.a.

Monthly SIP needed≈ ₹10,000

Total invested≈ ₹18L

Calculate mine

🌅

Retirement corpus

₹3 Crore

Timeline25 years

Expected return12% p.a.

Monthly SIP needed≈ ₹15,500

Total invested≈ ₹46.5L

Calculate mine

🚗

Dream car — no loan

₹15 Lakhs

Timeline5 years

Expected return12% p.a.

Monthly SIP needed≈ ₹18,600

Total invested≈ ₹11.2L

Calculate mine

Common myths

SIP myths — debunked

Fear and misinformation stop most people from starting. Here's what the data actually shows.

Myth

"I should wait for the market to fall before starting"

Timing the market is statistically impossible — even professional fund managers fail at it consistently. Every month you wait is a month of compounding lost. The best time to start was yesterday; the second best is today.

Fact

SIP during market falls is actually advantageous

When the market drops 20–30%, your fixed SIP buys significantly more units at lower prices. When markets recover — which they always have historically — those extra units generate outsized returns. Bear markets are the SIP investor's best friend.

Myth

"SIP returns are guaranteed to be 12%"

Mutual fund SIP returns are market-linked and not guaranteed. Historical CAGR of diversified equity funds has been 10–15% over long periods, but past performance does not guarantee future returns. The calculator uses an expected rate you enter — always use realistic assumptions.

Fact

Long-term SIPs have historically delivered strong real returns

Diversified equity mutual fund SIPs with 10–15 year investment horizons have historically delivered 12–15% CAGR in India, comfortably beating inflation. The longer the horizon, the more the variance in returns smooths out.

Rupee Cost Averaging in action

You invest ₹5,000 every month. See how market movements affect units purchased — and why volatility works for SIP investors.

Jan (NAV ₹50)

100 units

Feb (NAV ₹40)

125 units ↑

Mar (NAV ₹30)

167 units ↑↑

Apr (NAV ₹45)

111 units

May (NAV ₹55)

91 units

Result after 5 months: Total invested = ₹25,000. Total units = 594. Average NAV paid = ₹42.09. Current NAV = ₹55. Portfolio value = ₹32,670 (+30.7%). The average cost (₹42.09) is well below the current NAV — this is Rupee Cost Averaging at work.

Tax advantage

ELSS — Save tax while building wealth

Equity Linked Savings Scheme (ELSS) mutual funds let you claim a deduction of up to ₹1.5L under Section 80C — while keeping your money in equity for potentially superior long-term returns.

ELSS vs other 80C tax-saving instruments

Instrument	Lock-in	Returns	Tax on returns
ELSS (SIP)	3 years	Market-linked (12–15%)	LTCG 10% above ₹1L
PPF	15 years	7.1% (fixed)	Tax-free
NSC	5 years	7.7% (fixed)	Taxable as income
Tax-saver FD	5 years	6.5–7.5% (fixed)	Taxable as income
NPS (Tier 1)	Till retirement	Market-linked (9–12%)	Partially taxable

Why ELSS SIP stands out

Shortest lock-in among 80C instruments

ELSS has only a 3-year lock-in — the lowest of any 80C option. PPF locks money for 15 years, tax-saver FDs for 5 years. Each SIP instalment has its own 3-year lock from the investment date.

Highest return potential in the 80C universe

Unlike PPF (7.1%) or FD (7.5%), ELSS invests in equity — which has historically delivered 12–15% CAGR over long periods. The lock-in period encourages holding through volatility, which benefits returns.

Up to ₹46,800 in annual tax savings

Investing ₹1.5L/year in ELSS saves ₹46,800 in taxes (30% slab + 4% cess). At a 20% slab, savings are ₹31,200. This is money working for you instead of going to the government.

Available under new tax regime? No

The Section 80C deduction including ELSS is available only under the old tax regime. If you've opted for the new regime, you cannot claim this deduction. Evaluate both regimes to find which saves you more overall.

₹500

Minimum monthly SIP to start investing in equity mutual funds

12–15%

Historical CAGR of diversified equity mutual funds over 10+ year periods in India

3 years

Minimum ELSS lock-in — shortest 80C tax-saving instrument available

10% p.a.

Annual step-up on a SIP can more than double your final corpus over 20 years

Pro tips

Maximise your SIP returns — expert strategies

Never stop during market falls

The single most destructive thing an SIP investor can do is pause during a correction. Bear markets are when you accumulate the most units at the cheapest prices. Stopping means missing the recovery — which is where the bulk of returns happen.

Increase SIP on every salary hike

Every time you get an increment, increase your SIP proportionally. If your salary increases by ₹5,000, add at least ₹1,000–₹2,000 to your SIP. This lifestyle-conscious approach builds wealth without affecting your quality of life.

Diversify across fund categories

Don't put all SIP in one fund. A classic allocation: 50% in a large-cap or index fund (stability), 30% in mid-cap (growth), 20% in small-cap or flexi-cap (high growth potential). Rebalance annually rather than chasing recent top performers.

Review, not react — annual check-in only

Review your SIP portfolio once a year — not monthly or weekly. Checking daily NAV movements and reacting to them is one of the most common and costly investor mistakes. Set a date every year to assess whether your funds are meeting benchmarks.

FAQ

Frequently asked questions

Everything you need to know before starting your SIP journey.

Are SIP returns guaranteed?

No. Mutual fund SIP returns are market-linked and not guaranteed. The calculator uses an expected return rate you set — this is an estimate, not a promise. Equity mutual funds have historically delivered 12–15% CAGR over 10+ year horizons, but individual fund performance and market conditions vary. Always use a realistic return assumption (10–12% for equity) and consult a SEBI-registered financial advisor before investing.

Can I stop or pause my SIP at any time?

Yes — except for ELSS funds, which have a 3-year lock-in per instalment. For all other mutual funds, you can pause, modify, or stop your SIP at any time without penalty. However, stopping a SIP does not force you to redeem your existing units — your accumulated investment stays in the fund and continues to grow.

What happens to my SIP if the market crashes?

Your existing units will be worth less temporarily — but your monthly SIP will buy significantly more units at the lower NAV. This is Rupee Cost Averaging in action. Investors who stayed invested through the 2008 crash, 2020 COVID fall, and 2022 correction and continued their SIPs recovered quickly and earned strong returns. Panic selling during a crash is the only way to permanently lose money in a SIP.

What is the best SIP amount to start with?

The best amount is whatever you can commit to consistently without straining your monthly budget. Starting with ₹500–₹1,000 and staying consistent is far more valuable than starting with ₹10,000 and stopping after 3 months. A common guideline: allocate 20–30% of take-home salary toward investments, with SIP as the primary vehicle. Use the calculator above with your actual salary to find a comfortable amount.

How is SIP different from an FD or RD?

Fixed Deposits and Recurring Deposits offer guaranteed but fixed returns (currently 6–7.5% p.a.) with no market risk. SIP in equity mutual funds offers potentially higher returns (historically 12–15% p.a.) but with market-linked risk. FD/RD returns are taxable as income; equity SIP gains above ₹1L are taxed at 10% (LTCG). For goals more than 7–10 years away, equity SIPs have historically been significantly more wealth-creating after accounting for taxes and inflation.

Should I choose Growth option or Dividend option for SIP?

For wealth creation, always choose the Growth option. In Growth, all returns are reinvested back into the fund, allowing compounding to work fully. The Dividend option (now called IDCW — Income Distribution cum Capital Withdrawal) distributes part of your gains periodically — which interrupts compounding and is taxed as income. Growth option is the right choice for virtually all long-term SIP investors.

The best time to start your SIP is today

Every month you wait is compounding you're not earning. Use the calculator above to find your number — then set up your SIP and let time do the rest.

Back to Calculator Read Investment Guides

Grow your wealth withprecision

How a SIP builds wealth over time

Why SIP is the smartest way to invest for most Indians

SIP vs Lumpsum — which is right for you?

Step-Up SIP — grow your investment as you grow

Plan your SIP around real life goals

SIP myths — debunked

ELSS — Save tax while building wealth

Maximise your SIP returns — expert strategies

Frequently asked questions

Explore more calculators

The best time to start your SIP is today

Grow your wealth with
precision