SIP calculator
What a monthly amount could become — and how much of that is your money versus growth.
Your numbers
Enter what you can put in each month and how long you plan to keep going.
After the full term
How to use this SIP calculator
- Choose your currency and enter your monthly amount.
- Add an expected return and how long you plan to invest.
- Add a yearly increase or a one-off amount if you want, then read the projected value.
Who it is for
For people in India estimating a mutual fund SIP, or anyone planning regular investments in another currency. The result is an estimate rather than advice, since market returns are not guaranteed.
What a SIP actually is
A systematic investment plan just means putting a fixed amount in on a fixed day, every month, regardless of what the market is doing. Nothing clever. The point is that it removes the decision, and the decision is where most people lose money.
Time beats amount, by a lot
10,000 a month at 12%:
| Years | You put in | It becomes | Growth share |
|---|---|---|---|
| 5 | 6,00,000 | 8,25,000 | 27% |
| 10 | 12,00,000 | 23,23,000 | 48% |
| 20 | 24,00,000 | 99,91,000 | 76% |
| 30 | 36,00,000 | 3,52,99,000 | 90% |
Doubling the years from 10 to 20 does not double the result — it quadruples it. That is the whole argument for starting sooner rather than starting bigger.
Two things this calculator cannot know
- Real returns are not a straight line. A 12% average means some years at 30% and some at −15%. The final figure is a projection, not a promise.
- Inflation eats into it. That is why the last row shows the value in today’s money. 1 crore in 20 years does not buy what 1 crore buys now.
The step-up is the underrated setting
Most people’s income rises every year and their investment does not. Increasing your monthly amount by even 10% a year, in step with a pay rise you have already received, changes the final number enormously without ever feeling like a sacrifice.
Common questions
How is SIP return calculated?
Each monthly payment grows at the expected rate for the time it stays invested, and the values are added together. Real returns vary from year to year, so test a few different rates.
What return rate should I use?
Historically, Indian equity index funds have averaged somewhere around 11–13% over long periods, and debt funds far less. Use a figure you can defend, and try a pessimistic one too — if the plan only works at 15%, it is not a plan.
Is this a recommendation to invest?
No. This is an arithmetic tool, not financial advice. It shows what compounding does to a number you supply. Speak to a licensed adviser before making investment decisions.
Why does the value in today’s money matter?
Because a large future number is easy to be impressed by and hard to judge. Discounting it back at 6% inflation tells you what it would actually be worth to you.
Does it account for tax?
No. Returns shown are before any tax on gains, which varies by country, fund type and how long you hold. Treat the final figure as the upper bound.
Need more customers as well?
This tool is free and always will be. If you also want ads, search and follow-up that bring in customers, I offer a free 45-minute consultation for businesses in the USA, UK, UAE, Australia and India.
Book a free consultationBuilt and maintained by Premkumar Ragav, an independent performance marketing specialist. Updated November 2026.