SIP Calculator
Set your monthly investment, expected return and duration below — the projection updates as you drag.
Your SIP
What is a SIP?
A Systematic Investment Plan is a fixed amount invested into a mutual fund on a set date every month, rather than as one large sum. Because you buy at whatever the prevailing price is each month, a SIP naturally buys more units when prices are low and fewer when they're high — smoothing out the effect of short-term volatility on your average purchase price.
Reading this calculator
"You invest" is simply your monthly amount multiplied by the number of months — money that was always yours. "Wealth gained" is everything above that: the return compounding has generated. Longer durations shift that split further toward gained wealth, which is the core argument for starting a SIP as early as you reasonably can.
Frequently asked questions
How is SIP return calculated?+
Each monthly instalment is assumed to be invested at the start of the month and compounds at your expected annual return, applied monthly, for the rest of the tenure. The result is the sum of every instalment's individual growth, which is why SIP wealth builds slowly at first and accelerates later.
What's a realistic expected return for equity mutual funds?+
There's no fixed number — it depends on the fund, category and time period — but long-term diversified equity funds in India have historically landed somewhere in the 10–14% annualised range over long holding periods, with plenty of variation year to year. Try a few different rates rather than trusting a single figure.
Does this account for expense ratio or exit load?+
No — this calculator projects gross returns based on the rate you enter. If you want to account for fund expenses, simply use a slightly lower expected return to approximate the net figure.
Can I model a SIP that increases every year?+
Yes — use the Step-up SIP calculator, which lets you set an annual percentage increase on top of your starting SIP amount.