SIP Calculator

The extra (1+r) factor at the end accounts for beginning-of-period payments.

A SIP calculator (Systematic Investment Plan calculator) is an indispensable free online tool for every Indian investor. It estimates the future value of your monthly mutual fund SIP investments based on the expected rate of return and investment duration. Whether you are saving for your child's education, a dream home, retirement, or building long-term wealth, our SIP calculator India gives you instant, accurate projections with real-time charts.

The power of SIP investing lies in rupee cost averaging and compounding. When markets fall, your fixed SIP amount buys more units; when markets rise, it buys fewer. Over years and decades, this averages out your purchase cost and significantly reduces risk compared to lump sum investing. Equity mutual funds in India have historically delivered 12–15% CAGR over 10+ year horizons, making SIP one of the most powerful wealth-creation tools available to salaried Indians.

Use our free SIP calculator online to plan your financial goals with precision. Try different amounts — even ₹1,000 per month at 12% for 20 years grows to over ₹9.9 lakh. Increase it to ₹10,000/month and the corpus crosses ₹99 lakh. The tool also shows you a year-by-year breakdown so you can visualise exactly how your invested amount and total corpus grow over time.