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Finance · Investment

SIP Calculator

See exactly what your monthly investments could become — and decide what to do next.

1

Your investment plan

Adjust any value — results update instantly.

₹10,000
15 years
yrs
12%
%

Automatically increase your SIP — match it to your salary growth.

See the real value of future money in today's purchasing power.

Coming soon
2

Projected outcome

Real-time as you type.

Future value

₹50,45,760

You could build ₹50,45,760 in 15 years — that's 2.8× your total investment.

Total invested

₹18,00,000

Estimated gains

₹32,45,760

Start this investment plan

Start a ₹10,000/month SIP based on your plan.

Start SIP

Recommended: Dhan · Free to start · Takes 5 minutes

Growth over time
Invested vs Gains
Based on standard SIP compounding formulas used in financial planning. Returns are projections, not guarantees.
3

What this means for you

Your money could grow 2.8× over 15 years

For every ₹1,000 you invest, you'd end up with about ₹2,803 — the rest is compounding doing its quiet work.

65% of your gains arrive in the final 5 years

Roughly ₹21,22,369 of your total growth happens in the last 5 years — because compounding works on a much larger base by then. Staying the course in the final stretch matters most.

Delaying by 5 years could cost you ₹27,22,369

Starting the same SIP 5 years later (with everything else identical) would leave you with ₹23,23,391 instead of ₹50,45,760.

What inflation does to it

At ~6% inflation, ₹50,45,760 in 15 years is worth roughly ₹21,05,419 in today's money. Turn on “Adjust for inflation” above to see the dashed real-value line on the chart.

To achieve this growth, choosing the right platform matters.

Compare platforms
4

What if you invested a bit more?

Try a quick boost — see the impact instantly.

Quick boost
₹2,000
Current plan
₹50,45,760
₹10,000/mo · 15 yrs
Improved plan
₹60,54,912
₹12,000/mo · 15 yrs

Adding ₹2,000/month grows your wealth by ₹10,09,152

That's ₹10,09,152 more in your pocket — for the same 15-year horizon.
Ready to upgrade your plan?

Start a ₹12,000/month SIP today.

Start upgraded plan
5

Smart actions

  • Increase your SIP by 10% each year — match it to your salary hike.
  • Stay invested through downturns — that's when units cost the least.
  • Diversify across equity, debt, and index funds based on your goals.
  • Review once a year, not once a month. Long-term decisions need long-term patience.
6

Deeper insight

Optional · powered by AI

Get an AI-written explanation of your SIP plan — what it means, what to improve, what to watch out for.

7

Ask about your plan

Free, private, India-aware

Ask anything about your SIP plan — for example:

This is general guidance, not financial advice.

People also calculate

Quick-look pages for common Indian SIP scenarios.

₹5,000 SIP for 10 years₹10,000 SIP for 20 years₹15,000 SIP for 25 years₹25,000 SIP for 20 years₹50,000 SIP for 25 years₹1,00,000 SIP for 20 years

What is a SIP calculator?

A SIP (Systematic Investment Plan) calculator estimates the future value of fixed monthly investments into mutual funds or index funds. It uses the standard future-value-of-an-annuity formula, factoring in your contribution, time horizon, and expected return — so you can plan goals like retirement, buying a home, or your child's education with realistic numbers.

How to use this calculator

  1. Set your monthly investment — the amount you can comfortably commit each month.
  2. Choose the investment duration in years. Longer is almost always better.
  3. Pick an expected annual return. For Indian equity funds, 10–14% is a common long-term assumption.
  4. Optionally enable Step-Up SIP to automatically increase your contribution over time.
  5. Try the Quick boost presets to see how a small monthly increase changes your final corpus.

Example calculation

If you invest ₹10,000 per month for 20 years at an expected return of 12% per annum, your total contribution would be ₹24,00,000. With monthly compounding, the future value works out to roughly ₹99,91,479 — meaning compounding generated the rest as gains.

Pro tip: Even a 5% yearly step-up dramatically outperforms a flat SIP. Try toggling Step-Up SIP above and watch the chart steepen.

Frequently asked questions

Best platforms to start your SIP

Hand-picked Indian platforms that make it simple to act on your plan today.

Dhan

Fast onboarding · best for active users

  • Fast 5-minute onboarding
  • Powerful tools for active investors
  • Direct mutual funds — zero commission
Start with Dhan

Angel One

Advanced tools · strong rewards

  • Advanced research and tools
  • Strong rewards and offers
  • Trusted by millions of Indian investors
Start with Angel One

Groww

Beginner-friendly · simple SIPs

  • Beginner-friendly experience
  • Start a SIP in under 5 minutes
  • Direct mutual funds — zero commission
Start with Groww

Kotak

Bank-backed · trusted

  • Backed by a leading Indian bank
  • Integrated banking + investing
  • Strong customer support
Start with Kotak

Disclosure: Some links are partner links. We only feature platforms we'd recommend regardless. This is general guidance, not financial advice.

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