SIP Calculator

Systematic Investment Plan — small regular investments compounding into serious wealth.

₹
Please enter a valid amount
Explore Presets
Corpus at Maturity
₹0
Total value of your investments + returns at end of tenure
Total Invested
₹0
Sum of all your SIP instalments + Initial Lump Sum
Wealth Gained
₹0
Returns generated above your invested amount
Real Value (inflation-adj.)
—
What your corpus is actually worth in today's purchasing power
SIP invests a fixed amount every period. Each instalment buys units at the current price (rupee cost averaging), and all units compound together.

Formula: M = P × ((1+r)ⁿ − 1) / r × (1+r) where P = instalment, r = periodic rate, n = total periods.

  • Step-up SIP: increases each year's contribution by a fixed % — accelerates corpus significantly
  • Even ₹1,000/month at 12% for 30 years = ₹35 lakhs invested → ₹3.5 crore corpus
What this means for you
Actionable Suggestions
You might also need
Invested vs. Total Corpus
Invested
Returns
Real Value

What is a SIP calculator?

A SIP calculator estimates the future value of your Systematic Investment Plan. Enter your monthly investment, expected return rate, and duration to instantly see your maturity corpus, total amount invested, and wealth gained through compounding.

SIP with step-up — why it matters

A step-up SIP automatically increases your investment by a fixed percentage each year. Even a 10% annual increase dramatically accelerates your corpus — ₹5,000/month flat for 20 years at 12% gives ₹49.9 lakh, while the same with 10% annual step-up gives ₹1.05 crore. That's 2.1x more wealth for small, incremental increases.

SIP vs lump sum

SIP is better for regular salaried income — it removes the need to time the market and builds investing discipline. Lump sum works better when you have a large amount and markets are at a low. Use our Lump Sum Calculator to compare both approaches.