Investments / SIP calculator
Build wealth
step by step.
Estimate how regular monthly investments could grow over time with the return rate and duration you choose.
Your estimate
At maturity
Compounding over time
Year-by-year growth
Understand the result
How it works
The calculator applies the expected annual return as a monthly compound rate to each monthly investment. It then compares the amount you invested with the estimated maturity value to show the wealth gained.
Worked example: For a ₹5,000 monthly SIP for 10 years at a 12% expected annual return, the estimated maturity value is about ₹11.6 lakh, including ₹6 lakh invested and approximately ₹5.6 lakh in estimated returns.
Good to know
Frequently asked questions
What is SIP?+
SIP, or Systematic Investment Plan, lets you invest a fixed amount regularly in a mutual fund or other investment product.
Are SIP returns guaranteed?+
No. SIP returns are not guaranteed. The result depends on market performance and the return rate you assume in the calculator.
How are SIP returns calculated?+
The calculator compounds each monthly investment using the expected monthly return rate over the selected number of months.
SIP vs lumpsum: which is better?+
Both approaches can be useful. SIP spreads investments over time, while lumpsum invests money at once. The better choice depends on your goals, cash flow, and risk tolerance.
Can I change my SIP amount later?+
Many investment platforms allow you to increase, reduce, pause, or stop a SIP, but the exact options depend on the fund and platform.
Disclaimer: SIP returns shown here are estimates based on an assumed rate and are not guaranteed. Mutual fund returns depend on market performance, fees, taxes, and investment risk. This is not investment advice.