SIP Calculator
See how much a fixed monthly SIP can grow over time, and how much of that is your money versus market returns.
What is a SIP?
A Systematic Investment Plan lets you invest a fixed sum in a mutual fund every month instead of one lump sum. Because you buy on a fixed date regardless of price, you automatically buy more units when markets are low and fewer when they are high — a habit known as rupee-cost averaging. Over long periods, monthly compounding does most of the heavy lifting.
How is SIP return calculated?
Each monthly instalment compounds at your expected rate for the number of months it stays invested. Your first instalment compounds the longest, your last the shortest. The calculator runs this month by month, which is why the returns portion grows far larger than your invested amount over long horizons.
💡 Worked example
Invest ₹10,000 a month for 15 years at an assumed 12% return. You contribute ₹18 lakh of your own money, which could grow to roughly ₹50 lakh — about ₹32 lakh of that from returns.