SIP Calculator: How Much Will Your Monthly Investment Grow?

A small monthly investment can become a large corpus — but only compounding over time shows you how large. Here's how SIP growth works and what to realistically expect.

Project your SIP

Enter your monthly amount, expected return and duration into the SIP calculator to see the maturity value, total invested, and wealth gained from returns.

The power of time

₹5,000/month at 12% becomes roughly ₹11.6 lakh in 10 years, ₹25 lakh in 15, and ₹50 lakh in 20 — while you invest only ₹6, ₹9 and ₹12 lakh respectively. The last five years generate more growth than the first fifteen. Starting early beats investing more.

What return to assume

Indian equity funds have historically averaged 10–14% over long periods, with no guarantee. Use 10–12% for a realistic equity plan and test a pessimistic 8% too. Debt funds: 6–8%.

Step-up your SIP

Increasing your SIP 10% each year as income grows roughly doubles the final corpus over long horizons versus a flat SIP. Recalculate yearly with your new amount.

SIP vs alternatives

Compare with the FD calculator for guaranteed returns and the compound interest calculator for lump sums. Mutual funds carry market risk — consult an advisor for personal decisions.