Free browser-based calculator

SIP Calculator

See what a monthly SIP could grow to, the SIP a goal needs, or how long it may take, with every assumption shown and editable.

Your plan

How to use this SIP calculator

It takes under a minute. Every number updates as you type, and you can change anything later.

  1. Choose what you want to work out: the value of a SIP, the SIP a goal needs, or how long a goal takes.
  2. Fill in the fields. Type amounts any way you like (10k, 1.5 lakh) or use the sliders.
  3. Read the result: the headline figure, the sentence under it, and how much is your money versus assumed growth.
  4. Explore: tap a “What if” chip, try a different return in the sensitivity strip, or open Fine-tune for step-up, lumpsum and inflation.
  5. Keep it: copy the link (it stores your inputs), download the year-by-year table as CSV, or print it.

Good to know

  • Tap the ⓘ next to any field for a short guide to it.
  • The return is an assumption, not a promise. Try a lower figure as well.
  • Turn on the reality check to see the result in today’s money.

Fill in the fields; the result updates as you type.

What do you want to work out?

What do you want to work out?

Pick the question you are asking. The inputs change to match it.

How to fill it in

  • “I invest, show me the value”: you know your monthly amount and want an estimate of where it could get to.
  • “I have a goal, show me the SIP”: you know the amount you want and when; the calculator works out the monthly SIP.
  • “How long will it take?”: you know the amount and your monthly SIP; it works out the time needed.

Tip: You can switch at any time; your other inputs are kept.

Monthly investment

The amount you plan to invest every month through the SIP.

How to fill it in

  • Type it any way you like: 10000, 10,000, 10k or 1.5 lakh all work. Or drag the slider.
  • With a yearly step-up, this is the first year’s amount; later years are higher.
  • Allowed range: ₹100 to ₹1 crore a month.

Example

₹10,000 a month for 10 years at an assumed 12% could grow to about ₹23.23 lakh; ₹11,000 a month to about ₹25.56 lakh.

Tip: Pick an amount you could keep paying through good and bad months.

Expected return

The yearly growth rate you want to assume. It is an assumption you choose, not a prediction.

How to fill it in

  • Start with a figure you consider realistic for the kind of fund you have in mind, then try a lower one too.
  • The strip “If the return were different” shows the result 2 percentage points lower and higher.
  • Allowed range: 0% to 40%. Above 20% you will see a warning.

Example

₹10,000 a month for 10 years: at 10% about ₹20.66 lakh, at 12% about ₹23.23 lakh, at 14% about ₹26.21 lakh.

Keep in mind: Mutual fund returns are not guaranteed and change from year to year. Real results can be lower than shown.

assumption

A placeholder you can change. Not a prediction.

Time period

How long you will keep investing, in years plus any extra months.

How to fill it in

  • Enter whole years, then choose extra months from the list if needed (for example 7 years and 6 months).
  • Allowed range: 1 month to 50 years.

Example

₹10,000 a month at an assumed 12%: 10 years ≈ ₹23.23 lakh, 15 years ≈ ₹50.46 lakh, 20 years ≈ ₹99.91 lakh.

Tip: Time matters a lot: the later years add the most, because the balance is largest then.

Fine-tune

Yearly step-up

Raises your monthly amount by this percentage once every 12 months, for example as your income grows.

How to fill it in

  • Leave it at 0% for a flat SIP.
  • With 10%, ₹10,000 a month becomes ₹11,000 in year 2, ₹12,100 in year 3, and so on.

Example

₹10,000 a month for 10 years at an assumed 12%: flat ≈ ₹23.23 lakh; with a 10% yearly step-up ≈ ₹33.74 lakh.

Raises the monthly amount every 12 months.

Starting lumpsum

A one-time amount you invest at the very start, in addition to the monthly SIP.

How to fill it in

  • Leave it at ₹0 if you are only doing a SIP.
  • It grows for the whole period at the same assumed return.

Invested once, at the start.

When each instalment is invested

When each instalment is invested

Whether each month’s instalment goes in at the start or the end of the month.

How to fill it in

  • Start of month (default): each instalment earns that month’s growth too.
  • End of month: each instalment starts growing a month later, so the result is slightly lower.

Example

₹10,000 a month for 10 years at 12%: start ≈ ₹23.23 lakh, end ≈ ₹23 lakh.

Tip: Comparing with another calculator? Check which timing it uses; it explains many small differences.

How the annual return becomes monthly

How the annual return becomes monthly

The calculator grows your money month by month, so it converts the yearly return into a monthly rate.

How to fill it in

  • Nominal (default): divides by 12, so 12% a year becomes 1% a month. Many Indian calculators do this.
  • Effective: uses the monthly rate that compounds to exactly the yearly figure. Choose this if your return is an annualised rate such as a CAGR.

Example

₹10,000 a month for 10 years at 12%: nominal ≈ ₹23.23 lakh, effective ≈ ₹22.4 lakh.

Inflation

How fast prices rise each year. It is used to show results in today’s money.

How to fill it in

  • It only matters when the reality check is on, or when your goal is in today’s money.
  • Allowed range: 0% to 15%. The default 6% is a placeholder assumption you can change.

Example

At 6% a year, ₹23.23 lakh after 10 years buys about what ₹12.97 lakh buys today.

assumption

Used by the reality check and today’s-money targets.

Estimated value at the end

₹23,23,391

₹23.23 lakh

If you invest ₹10,000 every month for 10 years at an assumed 12% a year, you could end up with about ₹23.23 lakh. You put in ₹12 lakh; the rest, about ₹11.23 lakh, is assumed growth.

You invest
₹12,00,000 (₹12 lakh)
Assumed growth
₹11,23,391 (₹11.23 lakh)

Illustration, not a guarantee. Assumes 12% a year, compounded monthly (nominal rate), investments at the start of each month. No tax, exit load or other costs are deducted. Returns are not guaranteed.

at 6% inflation (change it in Fine-tune)

Reality check

Shows the estimated value in today’s money, so you can see what it could actually buy.

How to fill it in

  • Turn it on to switch the headline figure; the chart and table stay in future rupees.
  • Change the inflation rate in Fine-tune.
How it could grow
  • Invested
  • Assumed growth

Hover, drag or use the arrow keys to read each year.

What if…

If the return were different

  • 10%₹20.66 lakh
  • 12%₹23.23 lakh
  • 14%₹26.21 lakh

Illustration of sensitivity, not a forecast.

Year-by-year details

YearInvested so farValueGrowth
1₹1,20,000₹1,28,093₹8,093
2₹2,40,000₹2,72,432₹32,432
3₹3,60,000₹4,35,076₹75,076
4₹4,80,000₹6,18,348₹1,38,348
5₹6,00,000₹8,24,864₹2,24,864
6₹7,20,000₹10,57,570₹3,37,570
7₹8,40,000₹13,19,790₹4,79,790
8₹9,60,000₹16,15,266₹6,55,266
9₹10,80,000₹19,48,215₹8,68,215
10₹12,00,000₹23,23,391₹11,23,391