SIP Calculator: How Much Will Your Monthly Investment Grow?

Investing a small amount every month can build a large corpus over time thanks to compounding. This SIP calculator shows roughly how much your monthly investment could grow into.

What is it?

SIP (Systematic Investment Plan) is a way of investing a fixed amount in a mutual fund every month. It brings discipline and rupee-cost averaging, so you buy more units when markets are low and fewer when they are high.

How is it calculated?

The future value of a SIP is calculated as: FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i), where P is the monthly amount, i is the monthly rate of return, and n is the number of months.

Example

₹5,000 a month at an assumed 12% annual return for 15 years: you invest ₹9 lakh in total, but the estimated value can reach around ₹25 lakh — the extra is compounding at work.

Key things to know

• The earlier you start, the more time compounding gets.
• Don’t stop your SIP when markets fall — that’s when you accumulate cheap units.
• Increase the amount every year (step-up SIP).
• Keep a separate SIP for each financial goal.

What to do next

To start a SIP you complete KYC on an investment app and pick a fund.

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Frequently asked questions

Can I lose money in a SIP?
A SIP is a method, not an investment itself. Risk depends on the fund you choose; equity funds fluctuate but tend to reward long horizons.

What’s the minimum to start?
Most funds allow SIPs from ₹500 per month.

Can I increase the amount later?
Yes — a step-up SIP raises your contribution automatically each year.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.