SIP calculator
See what a fixed monthly investment could grow into, and how much of that is growth.
What the split tells you
Five thousand a month for ten years at 12% comes to roughly ₹11.5 lakh, of which ₹6 lakh is money you put in and about ₹5.5 lakh is growth. Extend it to twenty years and the contributions merely double to ₹12 lakh while the total reaches around ₹49.5 lakh — growth is now more than three times what you paid in.
That crossover is the entire argument for starting early, and it is why this page shows contributions and growth as separate lines rather than only the final figure. The shape of the curve, not the rate, is what people find surprising.
Start of the month or end
Most SIP mandates debit near the start of the month. That gives every instalment one extra period of growth compared with contributing at the end, and over a long horizon it is worth a few per cent of the final amount for no extra money. Both options are here, and the difference is larger than most people expect from something so mundane.
Compounding frequency
An equity fund does not credit interest at all — its value moves daily — so for a fund, monthly compounding is the reasonable modelling assumption and is the default here. For a recurring deposit at a bank, use the frequency your bank actually states, which is usually quarterly. Getting this wrong is a small error over one year and a visible one over twenty.
The inflation line is the honest one
A projection of ₹50 lakh in twenty years is ₹50 lakh of future rupees. At 6% inflation that has roughly the purchasing power of ₹15.6 lakh today. Enter your inflation assumption and this shows the real figure alongside the nominal one. It is frequently deflating, and it is the number that tells you whether the plan meets the goal.
A projection is not a forecast
This applies a steady rate. Real markets do not deliver one. A fund that averages 12% does it through years of +35% and years of −18%, and for anyone paying in monthly the order those years arrive in changes the outcome, not just the average — a bad run late in the plan hurts far more than an identical run at the start, because it lands on a much larger balance.
Use this to compare plans and to size a goal. Do not use it to predict a number and then rely on that number.
Step-up SIPs
Increasing the contribution each year as income grows changes the result dramatically, and it is not modelled here because a single fixed monthly figure is what "SIP calculator" means to nearly everyone searching for it. To approximate it, run the calculation in blocks — five years at one amount, then five at a higher one, carrying the balance forward as the starting amount.
Common questions
What is a SIP?
A systematic investment plan — a fixed amount invested at a regular interval, usually monthly. Set the starting amount to zero and use only the monthly field, and this becomes a SIP calculator.
Which compounding should I choose?
Whatever your account actually does. Savings accounts and most funds compound at least monthly; fixed deposits are often quarterly; some bonds are half-yearly. It is stated in the terms, and it changes the answer.
Why is the inflation-adjusted figure so much lower?
Because it is telling the truth about purchasing power. At 6% inflation, money halves in value roughly every twelve years, so a long projection loses much of its apparent size when expressed in present-day terms.
Does it account for tax?
No, and that is deliberate — capital gains treatment varies by country, by instrument and by holding period, and a single tax field would be wrong more often than right. Apply your own rate to the growth figure.
Is the return guaranteed?
No. This calculates what a steady rate would produce. Real returns arrive unevenly, and for anyone paying in monthly the order of good and bad years affects the result as well as the average.
Is my data sent anywhere?
No. It runs in your browser and answers as you type; nothing about your savings leaves the device.