SIP Calculator
Plan systematic investments
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026
How to use: Set your monthly amount, the return you expect, and how many years — drag the sliders or type.
Example₹5,000/month at 12% for 10 years → about ₹11.6 lakh
Typical retail SIP: ₹500 – ₹50,000
Equity MF historically ~10–14%, debt ~6–8%, FD ~6–7%
Longer horizons compound harder — even 5 extra years matter
Estimated value after 10 years
₹11,61,695
Invested
₹6,00,000
Estimated returns
₹5,61,695
Growth over time
How much SIP to reach a goal?
The formula used is the standard SIP future-value compounding equation: FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P is your monthly contribution, r is the monthly rate (annual / 12), and n is the total months.
The chart shows two lines: Value (your total fund value year-by-year) and Invested (cumulative contributions). The gap between them is your compounded returns.
Longer horizons benefit disproportionately from compounding. Doubling the duration usually more than doubles the final value — try moving the time-period slider from 10 to 20 years to see the effect.
Uses the standard SIP future-value formula — FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly amount, i the monthly return and n the number of months — the same annuity-due math used across the mutual-fund industry (AMFI/fund-house calculators). Returns are illustrative, not guaranteed.
- Assumes the same return every month; real returns vary and can be negative.
- Excludes the fund's expense ratio, exit load and taxation (LTCG/STCG).
- A projection based on your assumed rate — not a prediction.
- What is a SIP?
- A Systematic Investment Plan invests a fixed amount in a mutual fund at a regular interval (usually monthly). It enforces discipline and rupee-cost averaging — you buy more units when prices are low and fewer when high.
- Are SIP returns guaranteed?
- No. This calculator assumes a constant annual return for simplicity; real equity returns swing year to year. Use it for planning, not as a guarantee.
- What return percentage should I use?
- For Indian equity mutual funds, a long-term assumption of 10–14% per annum is reasonable. Hybrid funds: 8–10%. Debt funds: 6–8%. Push down to be conservative.
- Does the calculator account for inflation?
- No — this shows nominal (face-value) returns. Subtract roughly 5–6% per year mentally for a real-purchasing-power view, or use a goal-planning approach.
- Where is my data sent?
- Nowhere. All math runs in your browser. PaisaTools never sees the numbers you enter.
Related guides
- How much SIP do you need to reach ₹1 crore?The monthly SIP that grows to ₹1 crore — for 10, 15, 20 and 25 years — and why starting early does most of the work.
- Bhagavad Gita money lessons: 5 verses for investorsRead the Bhagavad Gita as a money manual and it fits uncannily — act without attachment to results, stay even in gain and loss. Five verses, decoded.
- Step-up SIP: the yearly tweak that changes your corpusRaising your SIP a little each year — in step with your salary — changes your 20-year corpus far more than you'd guess. The honest math inside.
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