SIP Calculator

A SIP — Systematic Investment Plan — is investing a fixed amount into a mutual fund every month, regardless of market conditions. It's the default way millions of people invest, especially in India, because it automates discipline and averages out market timing: you buy more units when prices dip and fewer when they rise.

This calculator answers the question every SIP investor asks: if I invest this much monthly at an expected return, what will it be worth? Enter the monthly amount, expected annual return, and period; the calculator applies the standard SIP future-value formula (contributions at the start of each month, the industry convention) and splits the result into what you invested versus what compounding earned. The visual bar makes the most motivating fact of SIP investing obvious: over long periods, the gains eventually exceed the contributions.

An honest note shown on the tool itself: the calculation assumes a constant annual return, but mutual fund returns vary year to year. The customary planning assumption for equity funds is around 10–12% annually over long periods — historical, not guaranteed. Use a conservative rate for planning and treat the output as an estimate. Works in multiple currencies including INR, entirely in your browser.