SIP Investment Calculator
Calculate wealth accumulated through Systematic Investment Plan
About the SIP Investment Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount regularly — typically every month — into a mutual fund or investment instrument, harnessing the power of compounding and rupee cost averaging over time. This calculator projects the total wealth you can accumulate based on your monthly contribution, expected annual return, and investment horizon.
How to Use
- Drag sliders or enter your monthly investment amount.
- Set the expected annual return (e.g. 10–14% for equity funds).
- Enter the total investment duration in years.
- Optionally add a step-up rate, then click Calculate.
Formula Used
FV = future value, P = monthly instalment, r = monthly rate (annual rate ÷ 12), n = total number of months.
Frequently Asked Questions
How much SIP do I need to become a crorepati?
At 12% annual returns, a SIP of about ₹10,000/month for 20 years grows to ~₹1 crore. Use the year-by-year breakdown above to see when you cross your target.
Is SIP better than lump-sum investing?
SIPs reduce timing risk through rupee cost averaging — you buy more units when prices are low and fewer when high. For most retail investors, SIPs are a more disciplined and lower-stress approach.
What return rate should I assume?
Equity funds in India have historically returned 10–14% p.a. over 10+ year periods. Hybrid funds: 8–11%. Debt funds: 6–8%. Use a conservative number for planning.
Important Note
SIP returns are subject to market risks; mutual fund investments do not guarantee a fixed return. Past performance of any fund is not indicative of future results.