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Calculate Systematic Investment Plan returns and wealth growth over any time period.
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Enter monthly SIP amount
Set expected annual return
Choose investment duration
See total wealth vs invested
A SIP calculator projects how much your regular monthly investments could grow to over time, based on your monthly contribution, expected annual return, and investment duration. SIPs (Systematic Investment Plans) are popular for mutual fund investing because they let you invest small, consistent amounts instead of one big lump sum — and this tool shows you what that habit could realistically add up to.
A lot of people know they should be investing monthly but have no real sense of what that discipline turns into after 10 or 20 years. This tool exists to turn 'invest ₹5,000 a month' into an actual projected number, which tends to be far more motivating than the vague advice alone.
SIP returns are calculated using a future value formula for a series of regular investments, accounting for compounding on each monthly contribution over the remaining duration. For example, investing ₹5,000 a month at an expected 12% annual return for 15 years grows to approximately ₹25.2 lakh, even though the actual amount invested over that period is only ₹9 lakh — the rest comes from compounding returns.
A Systematic Investment Plan lets you invest a fixed amount regularly, usually monthly, into a mutual fund instead of investing a lump sum all at once.
No, the rate you enter is an assumption based on expected market performance; actual mutual fund returns fluctuate and aren't guaranteed.
SIPs average out your purchase cost over time (rupee cost averaging) and are less dependent on timing the market compared to a single lump sum investment.
No, this shows gross projected returns based on your input rate; actual fund returns after fees may be slightly lower.
Many long-term equity mutual funds have historically averaged around 10-14% annually, though this varies and past performance doesn't guarantee future returns.
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