SIP Calculator India
Calculate how much your Systematic Investment Plan (SIP) will grow over time. See the power of compounding on your monthly investments in mutual funds, Nifty 50 index funds, or ELSS tax-saving schemes.
Last content review: June 1, 2026
Tap any tile to see how it works.
Step 1 of 3
How much each month?
The amount auto-debited every month.
Your SIP Returns
Investing ₹5,000/month for 10 years at 12% annual return will grow your ₹6,00,000 investment to ₹11,61,695.
What is a SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is an instruction to invest a fixed amount in a mutual fund at regular intervals. It changes when you buy units; the fund still carries the risks of its underlying assets. This calculator illustrates a chosen contribution and assumed return, not an expected result.
For the same instalment, a lower unit price buys more units and a higher price buys fewer. That can spread entry points over time, but it does not prevent a loss if the fund value falls. Compare the scheme's risk label, costs and investment objective with the date you need the money.
A worked illustration
Investing ₹5,000 each month for 20 years contributes ₹12 lakh. If a calculator assumes a constant 12% annual return, the projection is roughly ₹50 lakh before taxes and fund costs. That 12% is only an input for comparison, not a typical or promised Nifty 50 return. Try a lower return and a loss scenario to see how strongly the result depends on the assumption.
Choose assumptions deliberately
- Use the fund house's current factsheet to understand the benchmark, charges and historical variability.
- Run several assumed rates instead of relying on one optimistic percentage.
- Remember that fees, tax and inflation can reduce what the future amount buys.
- A fund can have negative returns; this smooth-growth calculator cannot represent every market path.
Tips for SIP Investors
- Set an amount you can maintain after essential expenses and an emergency reserve.
- Review the goal and fund if your circumstances change; continuing a SIP is a decision, not an automatic rule.
- Compare direct and regular plans using their current expense ratios and the advice or service you need.
- Keep near-term money separate from assets that can fall substantially before withdrawal.
SIP vs Lump Sum Investment
A lump sum invests available money sooner; a SIP spreads purchases over time and may fit a monthly salary. Either approach can perform better depending on the price path. A SIP does not protect the invested value from a prolonged fall. Choose a schedule that fits your cash flow, goal and ability to tolerate loss.