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SIP Calculator

See how a fixed monthly investment in mutual funds can grow over time through the power of compounding.

Enter your details

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Equity funds have historically averaged 10–14% over long periods; be conservative.
yrs
Estimated value at the end
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Total invested—
Estimated gains—

Illustrative projection using the assumptions you entered. Market returns are not guaranteed; actual results will differ. This is an educational tool, not financial advice.

How the value grows, year by year

Invested vs Returns

Invested Estimated gains

How it works

A Systematic Investment Plan (SIP) invests a fixed amount every month into a mutual fund. Because the amount is fixed, you automatically buy more units when markets are low and fewer when they are high — a discipline called rupee-cost averaging. Over long periods, the real engine is compounding: your gains themselves start earning gains.

Future Value = P × [((1+i)n − 1) / i] × (1+i)

Here P is your monthly SIP, i is the monthly return (annual return ÷ 12), and n is the number of months. The final ×(1+i) reflects that each instalment is invested at the start of the month. Try increasing the time period rather than the amount — you will usually find that extra years add far more than extra rupees, which is why starting early matters so much.

This calculator suits salaried earners building long-term goals — retirement, a child's education, a home — who can invest a steady monthly amount and stay invested through market ups and downs.

Frequently asked questions

For diversified equity funds, many planners use 10–12% for long horizons to stay conservative. Debt funds and hybrid funds would be lower. The rate here is an assumption you choose — it is not a promise of what any fund will deliver.
Neither is universally better. A SIP spreads your entry across market levels and suits monthly income; a lumpsum puts money to work immediately and suits a windfall when you have a long horizon. Many investors combine both.
Yes. SIPs are flexible — you can pause, increase, decrease or stop them, and there is no penalty from the fund house. Tax and any exit load depend on the scheme and how long you held the units.

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Start your investment in minutes on AssetPlus with WealthPrime (ARN-367805), or talk to us first — a free consultation, no pressure.