SIP Calculator

Enter a monthly amount, an expected return and a period to see what your SIP could grow to. At an assumed 12% a year, ₹5,000 a month for 10 years grows to about ₹11,61,695. Returns are assumptions, not guarantees.

Estimated value after 10 years

₹4,64,678

Worth about ₹2,59,474 in today's money at 6% inflation

Invested

₹2,40,000

Est. returns

₹2,24,678

Total₹4.65 L
Invested52%Returns48%
₹2.40 L grows to₹4,64,678

Growth year by year

₹0₹1.2L₹2.3L₹3.5L₹4.6LY1Y3Y5Y7Y9Y10
Total valueInvested

Your SIP result

Investing ₹2,000 a month for 10 years at an expected 12% a year grows to about ₹4,64,678: ₹2,40,000 invested plus ₹2,24,678 in estimated returns. At 6% inflation, that is worth about ₹2,59,474 in today's money.

Show year-by-year table
YearInvestedReturnsValue
1₹24,000₹1,619₹25,619
2₹48,000₹6,486₹54,486
3₹72,000₹15,015₹87,015
4₹96,000₹27,670₹1,23,670
5₹1,20,000₹44,973₹1,64,973
6₹1,44,000₹67,514₹2,11,514
7₹1,68,000₹95,958₹2,63,958
8₹1,92,000₹1,31,053₹3,23,053
9₹2,16,000₹1,73,643₹3,89,643
10₹2,40,000₹2,24,678₹4,64,678

Inflation and comparisons

Used to show the real (today’s money) value of your corpus.

  • Real value of ₹4,64,678: ₹2,59,474
  • Lumpsum of the same ₹2,40,000 invested today instead: ₹7,45,404Higher only if you have all the money up front and returns arrive as assumed.
  • Raise the SIP by 10% every year: ₹6,74,865 Try the step-up SIP calculator

Goal planner: how much SIP do I need?

Uses the 12% return and 10 years set above.

  • Monthly SIP needed for ₹1.00 Cr: ₹43,041
  • Or a one-time lumpsum today: ₹32,19,732
  • To match ₹1.00 Cr of today's buying power you need ₹1.79 Cr in 10 years, i.e. a SIP of ₹77,079 a month.

Estimated value of a monthly SIP at an assumed 12% a year, compounded monthly, with each instalment invested at the start of the month. L = lakh, Cr = crore.

Future value of monthly SIPs of ₹1,000, ₹2,000, ₹5,000, ₹10,000, ₹25,000 over 5, 10, 15, 20, 25, 30 years at 12%
Monthly SIP5 yrs10 yrs15 yrs20 yrs25 yrs30 yrs
₹1,000₹82,486₹2.32 L₹5.05 L₹9.99 L₹18.98 L₹35.30 L
₹2,000₹1.65 L₹4.65 L₹10.09 L₹19.98 L₹37.95 L₹70.60 L
₹5,000₹4.12 L₹11.62 L₹25.23 L₹49.96 L₹94.88 L₹1.76 Cr
₹10,000₹8.25 L₹23.23 L₹50.46 L₹99.91 L₹1.90 Cr₹3.53 Cr
₹25,000₹20.62 L₹58.08 L₹1.26 Cr₹2.50 Cr₹4.74 Cr₹8.82 Cr

Total invested is simply the SIP × 12 × years: for example ₹10,000 a month for 20 years means ₹24,00,000 of your own money, which grows to about ₹99,91,479 at 12%.

Monthly SIP needed to reach ₹1 crore

The longer you stay invested, the smaller the monthly amount needed. Figures assume a steady return; real returns vary.

Monthly SIP needed to reach ₹1 crore by period and expected return
PeriodAt 10%At 12%At 15%
10 years₹48,414₹43,041₹35,886
15 years₹23,928₹19,819₹14,774
20 years₹13,060₹10,009₹6,597
25 years₹7,474₹5,270₹3,045
30 years₹4,387₹2,833₹1,427

How to use this SIP calculator

  1. Choose Monthly SIP, or Lumpsum for a one-time investment.
  2. Enter the amount, the return you expect each year and the number of years.
  3. Read the estimated value, the amount you invest and the estimated returns.
  4. Set your expected inflation to see the value in today's money.
  5. Use the goal planner to find the monthly SIP needed for a target such as ₹1 crore.
  6. Copy the page URL to share or save your exact calculation.

Getting a realistic SIP estimate

  • Try more than one return rate. A plan that only works at a high return is fragile; check it at 2–3 percentage points lower too.
  • Look at the real value, not just the headline number. A crore in 25 years buys far less than a crore today.
  • Time matters more than the exact rate: in the table above, each extra five years adds more than the previous five because returns compound on earlier returns.
  • Increasing the SIP each year with your income (a step-up SIP) is often the simplest way to reach a large goal.

Frequently asked questions

How is SIP return calculated?

Each monthly instalment compounds at the monthly rate until the end of the period: M = P × ((1 + i)^n − 1) / i × (1 + i), where i is the annual return ÷ 12 ÷ 100 and n is the number of months. For example, ₹10,000 a month for 15 years at 12% gives about ₹50,45,760.

What return should I assume for a SIP?

It depends on the fund type. Many planners use 10–12% a year for diversified equity funds held 10 years or more, and 6–8% for debt funds. These are assumptions for planning, not promises: past returns do not guarantee future returns, so also check a lower rate.

How much SIP do I need for ₹1 crore?

At an assumed 12% a year, about ₹10,009 a month for 20 years, or about ₹19,819 a month for 15 years. Use the goal planner on this page to try your own target, return and period.

What is the inflation-adjusted value of my SIP?

It is what your future corpus would buy in today's money: corpus ÷ (1 + inflation)^years. At 6% inflation, ₹1 crore received after 20 years buys about what ₹31,18,047 buys today. The calculator shows this real value next to the nominal value.

Is SIP better than lumpsum?

A SIP spreads purchases over time, which reduces the risk of investing everything at a market peak and suits a monthly salary. A lumpsum invested early can earn more if markets rise steadily, because all the money is invested for longer. The calculator shows both results for the same money.

What is a step-up SIP?

A step-up (top-up) SIP raises the monthly amount by a fixed percentage every year, often in line with salary increases. Even a 10% yearly increase makes a large difference over 15–20 years. Use the Step Up SIP Calculator to model it.

What is the minimum SIP amount?

Most mutual funds accept SIPs from ₹500 a month; some start at ₹100 or ₹1,000. Check the scheme information document of the fund you choose.

Are SIP returns taxed?

Gains are taxed as capital gains when you redeem units, under rules that depend on the fund type and how long each unit was held. Every SIP instalment is a separate purchase with its own holding period. This calculator shows values before tax.

What happens if I miss a SIP instalment?

Fund houses usually do not charge a penalty, but your bank may charge for a failed auto-debit, and several consecutive missed instalments can lead the fund house to cancel the SIP. Your existing units stay invested either way.

Why is my actual SIP return different from the calculator?

The calculator assumes the same return every month. Real fund NAVs rise and fall, so your actual return, usually measured as XIRR, depends on the prices at which each instalment bought units.

About the SIP Calculator

A SIP calculator estimates what a fixed monthly mutual fund investment grows to, compounding each instalment monthly at your expected annual return. For example, ₹10,000 a month for 15 years at 12% grows to about ₹50,45,760, of which ₹18,00,000 is your own money.

How it is calculated

M = P × ((1 + i)^n − 1) / i × (1 + i)

  • P is the monthly SIP amount.
  • i is the monthly rate: the expected annual return ÷ 12 ÷ 100.
  • n is the number of monthly instalments: years × 12.
  • Each instalment is assumed to be invested at the start of the month. Lumpsum mode uses P × (1 + r)^t, compounded yearly.
  • Real value = future value ÷ (1 + inflation)^years.

Worked example

Inputs: ₹10,000 a month, 12% expected return, 15 years.

Result: ₹18,00,000 invested, ₹32,45,760 estimated returns, ₹50,45,760 total value.

Open this example in the calculator

Rules and assumptions

  • Returns are an assumption, not a guarantee. Equity mutual funds do not pay a fixed rate, and real returns vary from year to year.
  • The result is before tax. A fund's expense ratio is already reflected in its NAV, so use a return net of costs.
  • The real (inflation-adjusted) value divides the corpus by (1 + inflation)^years, using the inflation rate you enter.
  • The goal planner reverses the SIP formula: monthly SIP needed = target ÷ (((1 + i)^n − 1) / i × (1 + i)).