SIP Calculator

Most SIPs let you start at Rs. 500 a month, and there's no upper limit above that. So whether you want to invest a little or a lot, an SIP can work for you. This is actually one of the best things about SIPs. You get to decide what fits your budget, instead of being forced into some fixed amount. Big income or small, there's room for everyone to invest in a way that feels manageable.

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. 4,12,432 after five years. You invest Rs. 3,00,000, and about Rs. 1,12,432 comes from growth. Even over five years, a bigger monthly amount noticeably lifts the final value.

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, you invest Rs. 1,80,000 in total. At a 12% return, it could grow to about Rs. 2,17,538 (around Rs. 2.18 lakh). Three years is short for an SIP; the benefit of compounding shows more over longer periods.

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, Rs. 4,80,000 invested could grow to about Rs. 19,98,296 over 20 years, so most of the final value comes from growth. These figures are estimates, not guaranteed outcomes.

At a 12% return, Rs. 24,00,000 invested could grow to about Rs. 99,91,479, close to Rs. 1 crore, over 20 years. This is compounding at work: your returns start earning returns of their own. Starting early gives your money more years to grow.

Yes, for new SIPs. Since 1 October 2023, every new SIP auto-debit mandate must have an end date, and the longest you can choose is 30 years. When it ends, you can set up a new SIP. SIPs set up as "until cancelled" before this date carry on as they are. Many schemes also ask for a minimum number of instalments, often 6 for a monthly SIP.

There is no general upper limit. But a fund house can cap or pause new investments in a scheme from time to time, so check the scheme page for any current limit before you invest.

Yes. When your SIP reaches its end date (up to 30 years for new SIPs), you can start a new SIP in the same fund or a different one, with a new amount and end date that suit your goals at that 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.

If one instalment fails, your SIP usually continues the next month, but no units are bought for the missed month. Your bank may charge a fee for the failed auto-debit. If several instalments fail in a row (often 3 for a monthly SIP), the fund house may cancel the SIP. Keep enough balance before your SIP date, or lower the amount if needed.

It depends on the type of fund and the period you look at. Over [period], [category] funds returned about [X]% a year on average (source: [ ], as of [date]). Past returns do not guarantee future returns, so try a few different rates in the calculator to see a range.

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.

It uses FV = P × [(1 + r)^n – 1] / r × (1 + r). P is your monthly amount, r is the monthly rate (yearly rate ÷ 12) and n is the number of months. It assumes you invest at the start of each month. It does not include tax or exit load, so treat the result as an 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.

Just three things: how much you plan to invest each month, how many years you will invest, and the yearly return you expect. The calculator then shows your total investment, your estimated returns and the total value. It takes less than a minute.

At an assumed 12% a year, Rs. 1,000 a month for 10 years could grow to about Rs. 2,32,339. You invest Rs. 1,20,000, and about Rs. 1,12,339 comes from growth. Whether this amount suits you depends on your goal, time horizon and budget.

Each instalment is treated as a separate investment. For equity funds, gains on units held over 12 months are taxed at 12.5% on gains above Rs. 1.25 lakh a year; gains on units held 12 months or less are taxed at 20%. Debt fund gains (for units bought on or after 1 April 2023) are taxed at your slab rate. Rates are for FY 2026-27.

No. It shows the value before tax and in future rupees. To see today's value, allow for inflation: at 6% inflation, Rs. 58,08,477 in 10 years is worth about Rs. 32,43,423 in today's money.

Yes. Most schemes let you pause for a few months, change the amount, or stop the SIP. Stopping does not sell your units; your money stays invested until you redeem it.

A step-up SIP raises your monthly amount by a set percentage or amount every year, usually in line with your salary. Rs. 10,000 a month for 20 years at 12% could grow to about Rs. 99.9 lakh; with a 10% yearly step-up, about Rs. 1.99 crore. Try our step-up SIP calculator.

No. Your amount stays the same, but the price (NAV) changes, so you get more units when the NAV is low and fewer when it is high. Over time this evens out your average cost.

No. You can run an SIP in most types of mutual funds, including equity, hybrid and debt funds. Pick the type based on how long you will stay invested and how much risk you are comfortable with.

Yes. Each ELSS instalment is locked in for 3 years from its own date. ELSS investments count for the Section 80C deduction (up to Rs. 1.5 lakh a year) only under the old tax regime.

The maths is exact for the numbers you enter, but real returns change every year, so the result is an estimate, not a promise. Use it to compare plans, not to predict your exact amount.

Once or twice a year is enough for most people. Check that the fund still suits your goal and risk level, and raise the amount when your income goes up.

Yes. Set the tenure to 1 year. Rs. 5,000 a month for 1 year at 12% could grow to about Rs. 64,047 (you invest Rs. 60,000). Over short periods, real returns can swing a lot, so treat this as a rough guide.