Free calculator
SIP Calculator
Project what a monthly SIP could grow into. Enter your investment, expected annual return and time period — results update as you type.
- Total invested
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- Estimated gains
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Monthly compounding, investments assumed at the start of each month. A projection, not a promise.
How SIP growth works
A Systematic Investment Plan invests a fixed sum every month into a mutual fund. Because markets move, your fixed amount buys more units when prices are low and fewer when prices are high — this averaging is the core appeal of SIPs.
Over long periods, compounding does the heavy lifting: in the later years, growth on past growth can exceed your fresh contributions. That is why starting early usually matters more than investing big.
SIP questions, answered
What is a good expected return to assume for SIP?
Many planners use 10–12% a year for long-term equity SIPs as an illustration, but actual returns vary and are never guaranteed. Use a conservative number when planning.
Is SIP better than a lump sum investment?
Neither is universally better. SIPs spread investments over time, which suits salaried investors and smooths market ups and downs; lump sums can win if markets rise steadily, but carry timing risk.
Are SIP returns guaranteed?
No. SIPs invest in market-linked mutual funds, so returns move with the market. This calculator shows a projection at your assumed return, not a promise.