SIP Calculator

No, they're different things. Think of a mutual fund as the actual place where your money grows. An SIP is just the way you put money into it. Instead of handing over one big lumpsum in one go, you add smaller amounts regularly, usually every month. So the SIP is more like a method or a habit, while the mutual fund is where your money actually sits and grows over time.

Yes, and it's pretty quick. You just type in three things: how much you plan to invest each month, how many years you'll keep investing, and what return you expect to get. Once you enter these, the calculator shows you what your money could turn into. It also shows how much of that final number is your own money, and how much came from growth. Takes barely a minute to try out.

Yes, this is a good amount to start with. Rs. 1,000 every month, kept up for years, can slowly turn into something much bigger. That's the whole point of starting early. Once your income grows, you can always add more to the SIP.

If the annual return is 10%, this could become around Rs. 78,082 after five years. Of that amount, Rs. 60,000 is what you actually put in yourself, month after month. The remaining Rs. 18,082 is what your money earned on its own, just by staying invested. This shows how even a small, steady amount can slowly build up into something noticeably bigger, simply by giving it enough time to grow.

With 12% annual return, this could grow to roughly Rs. 2,47,459 after five years. You'd have put in Rs. 1,80,000 of that total yourself. The rest, about Rs. 67,459, would be the extra amount your investment earned along the way. It's a good example of how a slightly bigger monthly amount, kept up consistently, ends up making a real difference to the final number by the time five years are done.

At a 12% return, this could grow to about Rs. 4,12,431 after five years. Around Rs. 1,12,432 of that comes purely from growth, not from what you personally added each month. This shows that even over a relatively short period like five years, increasing your monthly amount can noticeably boost your final result. The bigger the monthly contribution, the more the growth adds on top of it.

This is good if you're thinking long term.
It helps in building a strong saving habit, and your money also starts earning on its own as time passes. What you end up with depends on a few things: how long you stay invested, which fund you pick, and how the market behaves over the years. If your income grows later, it's worth increasing this amount too. Small increases, kept up over many years, really do add up.

Over three years, this adds up to Rs. 1.8 lakh invested in total. At a 12% return, it could grow to around Rs. 2.15 lakh. That might not sound like a huge jump, and that's completely normal. Three years just isn't very long for an SIP to show its full potential. The real benefit of an SIP tends to show up later, once you've stayed invested for many more years.

Over 10 years, you'd invest a total of Rs. 4,80,000. At an 11% annual return, this could grow to around Rs. 8.76 lakh. That means roughly Rs. 3.96 lakh would come purely from returns. This is a good example of how staying invested for a longer stretch, like 10 years instead of 3, gives your money much more room to grow through the power of compounding.

At a 12% return, a total investment of Rs. 4.8 lakh could grow to almost Rs. 20 lakh over 20 years. That's a big gap between what you put in and what you end up with. Most of that gap comes from growth, not from your own contributions. This really shows what happens when you give an investment a long time to grow. As always, these numbers are just estimates, not guaranteed outcomes.

At a 12% return, Rs. 24 lakh invested could grow to nearly Rs. 1 crore over 20 years. This happens because of something called compounding, where your returns start earning returns of their own. It basically snowballs over time. Time matters more here than the exact amount you invest each month. Starting early gives your money many more years to grow and helps it ride out market ups and downs.

No, there isn't one. You can keep an SIP going for as long as you like. Most fund houses do ask for a minimum period though, usually around six months. One small thing worth knowing: since October 2023, the auto-debit setup used for SIP payments only stays valid for 30 years. After that, you'll need to renew it so your payments can keep going without any interruption.

Not really, no. You can invest whatever amount fits your goals and your budget comfortably. That said, some individual funds may set their own minimum amount, so it's worth checking this before you start. Other than that, there's a lot of freedom here. Whether you want to invest a small amount each month or a much larger one, an SIP can usually be shaped around what works for you.

Yes, and a lot of people actually do this. It's pretty common to have separate SIPs for different goals, like one for buying a house someday and another for retirement. Both can run side by side without any issue at all. This way, you can track how each goal is progressing on its own, while still keeping the habit of investing regularly across all of them at the same time.

Yes, once your SIP reaches the end of its term, you can renew it. You can either continue with the exact same plan as before, or change the amount and the duration to match your current goals. This makes SIPs quite flexible for long-term planning. Your investment strategy doesn't have to stay exactly the same forever. It can shift and adjust as your life and priorities change over the years.

Missing just one payment usually isn't a big deal. Your SIP will simply pick up again the following month, without any real problem. But if you keep missing payments again and again, the fund house might eventually cancel the SIP altogether. To avoid this, it helps to make sure there's enough money in your bank account each month, or to lower your SIP amount if it's becoming hard to keep up with. 

This depends on the fund you choose and how the market behaves. Looking back, large-cap funds have averaged around 10-13% a year, mid-cap funds around 12-16%, small-cap funds 14-18%, and debt funds a bit lower at 6-8%. But past results never guarantee what happens next. It helps to try a few different rates in the calculator, so you get a more realistic sense of what to expect.

No, there's no minimum or guaranteed return at all. Whatever the market does, your investment follows along with it, for better or worse. What genuinely helps lower the risk is time. Historically, the chances of losing money in diversified equity funds drop quite a bit once you've stayed invested for 7 to 10 years or longer. Picking a fund that matches your comfort with risk, and then being patient, matters far more than chasing any guaranteed number.

Over 10 years, you'd put in a total of Rs. 6 lakh. At a 12% return, this could grow to around Rs. 11.6 lakh, meaning about Rs. 5.6 lakh would come from growth alone. At a more careful estimate of 10%, the total would be closer to Rs. 10.3 lakh instead. It's worth trying both numbers in the calculator, just to see which one feels more realistic for your own situation and expectations.

There's a formula behind it, though you don't need to memorise it: M = P x ({[1 + i]^n - 1} / i) x (1 + i). Here, P is what you invest each month, n is the number of months, and i is your monthly return rate. You just enter your numbers, and the calculator shows your total investment, your gains, and the final amount. It won't count things like exit load or tax though, so treat it as a helpful estimate.

At a 12% assumed return, you'd need around Rs. 5,300 a month if you have 25 years to invest. For 20 years, it's closer to Rs. 10,000 a month. And for just 10 years, you'd need about Rs. 43,000 a month. Notice the pattern here. The more time you give your money, the less pressure there is each month, since compounding does more of the heavy lifting the longer you stay invested.

No, nothing about SIP returns is guaranteed. Since the money goes into mutual funds, your returns follow the market, and that means they can go down for a while too, not just up. Looking at history, large-cap funds have averaged around 10-13% a year, and debt funds around 6-8%. But that's history talking, not a promise for tomorrow. What an SIP really gives you, reliably, is the habit of investing regularly, and that habit tends to matter more than people expect.