SIP calculator
See what a monthly SIP could grow to, and what that money is really worth after inflation.
A SIP calculator estimates what fixed monthly investments could grow to, assuming a steady yearly return. ₹10,000 a month for 10 years at 12% a year comes to about ₹23.23 lakh.
Estimated value in 10 years
₹23,23,391
Rupees twenty-three lakh twenty-three thousand three hundred ninety-one only
- You invest
- ₹12,00,000
- Growth
- ₹11,23,391
1.9× Your money could become 1.9 times what you invest in 10 years.
Worth in today's money (6% inflation): ₹12.97 lakh
Estimate at a fixed 12% a year. Not guaranteed. Nothing you type is stored.
See year by yearHow to use this SIP calculator
- Enter how much you plan to invest every month. Type it in or drag the slider.
- Set how many years you will keep the SIP going.
- Pick an expected yearly return. Try 8%, 10% and 12% to see a cautious, middle and hopeful case — none of them is a promise.
- Set inflation to see what the final amount is worth in today's rupees. Share or copy the link to keep your numbers.
SIP formula
M = P × [(1 + i)n − 1] ÷ i × (1 + i)
- M
- Estimated value: what your SIP could be worth at the end.
- P
- The amount you invest each month.
- i
- Monthly return: the yearly rate ÷ 12 ÷ 100. For 12% a year, i = 0.01.
- n
- Number of monthly instalments: years × 12.
The final × (1 + i) assumes each instalment is invested at the start of the month, so it earns that month's return too. Most online SIP calculators in India use this same assumption.
Worked example
You invest ₹10,000 every month for 10 years and earn 12% a year. That is 120 instalments with i = 0.01.
- You invest
- ₹12,00,000
- Growth
- ₹11,23,391
- Estimated value
- ₹23,23,391
- In today's money at 6%
- ≈ ₹12.97 lakh
What a SIP can grow to at 12% a year
Time matters more than the monthly amount. ₹10,000 a month for 20 years grows to about four times what it reaches in 10 years, even though you invest only twice as much.
| Monthly SIP | 10 years | 15 years | 20 years |
|---|---|---|---|
| ₹5,000 | ₹11.62 lakh | ₹25.23 lakh | ₹49.96 lakh |
| ₹10,000 | ₹23.23 lakh | ₹50.46 lakh | ₹1 crore |
| ₹25,000 | ₹58.08 lakh | ₹1.26 crore | ₹2.5 crore |
How much SIP do you need for ₹1 crore?
At an assumed 12% a year, the monthly SIP needed to reach ₹1 crore falls sharply the earlier you start:
- In 10 years
- ₹43,041 a month
- In 15 years
- ₹19,819 a month
- In 20 years
- ₹10,009 a month
- In 25 years
- ₹5,270 a month
Remember that ₹1 crore in 20 years will buy much less than ₹1 crore today. Set the inflation box above to see its value in today's money.
SIP calculator FAQs
What is a SIP?
A SIP (Systematic Investment Plan) is a fixed amount you invest in a mutual fund every month, automatically. You buy more units when prices are low and fewer when they are high.
Is the result guaranteed?
No. Mutual fund returns go up and down with the market. The calculator assumes the same return every year, which real markets never give. Treat the result as an estimate, not a promise.
Why does inflation matter?
Prices rise every year, so ₹23 lakh in 10 years will buy less than ₹23 lakh today. The "today's money" figure shows what your future amount is worth in current rupees.
Does this include tax, exit load or fund charges?
No. The result is before capital gains tax, exit loads (a fee for leaving early) and expense ratios (the fund's yearly fee). Use a return figure that is already net of the fund's expense ratio for a closer estimate.
SIP or lump sum: which is better?
A lump sum invested early can grow more if markets rise steadily. A SIP spreads your buying over time, which suits a monthly salary and smooths out market ups and downs.
Can I increase my SIP every year?
Yes. Many funds let you add a yearly top-up, often called a step-up SIP. Raising your SIP as your salary grows can make a large difference over 15–20 years.
Is my data saved?
No. Everything is calculated in your browser. Nothing you type is sent to us or stored. The only place your numbers go is the link you choose to copy or share.
For education only. This is not investment advice, and we are not SEBI-registered advisers. Returns are assumptions, not predictions. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.