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.

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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

How much will you invest each month?

₹

Typical retail SIP: ₹500 – ₹50,000

What return do you expect?

Equity MF historically ~10–14%, debt ~6–8%, FD ~6–7%

For how many years?

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

ValueInvested

Popular SIP plans

How much SIP to reach a goal?

How it works

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.

Method & sources

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.

What this doesn't cover

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.

Frequently asked

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.

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