SIP Calculator
First pick how often the SIP runs: daily, weekly, monthly, half-yearly, yearly, or your own schedule. Then enter each installment.
How often do you invest?
Daily, weekly, monthly, or your own rhythm. Then we grow that amount.
In plain words
A SIP is a standing instruction on a clock you choose. We credit the amount on that schedule and grow it at your yearly return, split across those periods. Real funds will bounce.
1. How often
When does the money go in?
Once a month. That is 12 installments a year.
Return is split across 12 periods in the year.
About ₹10,000 a month if you spread the year evenly.
2. Time and return
How long, at what guess?
Years
Expected return each year
Equity SIPs often use 10% to 12% for long plans. RD is often 6% to 8%.
0 keeps it flat. Open the Step-up SIP tool to compare in detail.
Used only to show today’s buying power of the corpus.
3. The pot
If this path holds
₹50.46 L if this rate holds
A monthly SIP of ₹10,000 grows to this pot. You put in ₹18.00 L. In today’s rupees that is about ₹22.60 L.
Corpus
₹50.46 L
At the end of the tenure
You put in
₹18.00 L
Wealth added
₹32.46 L
In today’s rupees
₹22.60 L
After 5.5% inflation
Money multiple
2.80x
Corpus divided by money you put in
Installments
180
monthly for 15 years
Last installment
₹10,000
Same monthly amount
Invested vs the pot
The gap between the lines is compounding. It stays small at first, then opens up. That is why year 15 looks nothing like year 5.
Three small upgrades
Stay one extra year
Same SIP, 16 years instead of 15.
+₹7.68 L
Add ₹1,000 each time
Same years, same return, slightly bigger monthly SIP.
+₹5.05 L
If you never raise the SIP
Flat ₹10,000 monthly vs this plan.
Already flat
Planning picture only. Mutual fund SIPs can lose money. Bank RD rates are set by the bank. Recheck the number every year.