INVESTING · INDIA

India SIP (Systematic Investment Plan) Calculator

Invest regularly. Build wealth over time.

Free Calculator📅 FY 2025–26⚡ Instant results

Your details

%
years

♢ Your data stays in your browser.

Estimated future value

₹2,49,78,698

Updated instantly from your inputs

Starting value

₹25,000

Estimated change

+₹2,49,53,698

Planning view

15 years

1
2
3
4
5
6

Compare scenarios

Change one assumption at a time to understand the trade-off.

Understand your result

Clear context for the values above.

Power of compounding

Power of compounding is included so you can interpret this estimate and make a better-informed comparison.

Rupee-cost averaging

Rupee-cost averaging is included so you can interpret this estimate and make a better-informed comparison.

Investment discipline

Investment discipline is included so you can interpret this estimate and make a better-informed comparison.

Goal-based investing

Goal-based investing is included so you can interpret this estimate and make a better-informed comparison.

Explore this calculator

What your result means

A SIP invests a fixed amount at regular intervals. This estimate combines every monthly instalment with an assumed annual return to show how disciplined investing and compounding can build a future corpus.

The live result above currently shows ₹2,49,78,698. Change the inputs and compare scenarios to see how sensitive the estimate is.

Back to calculator topics ↑

How this calculator works

The calculator converts the expected annual return into a monthly rate and applies the future-value formula for a stream of monthly investments. It assumes each contribution is invested on schedule.

The live result above currently shows ₹2,49,78,698. Change the inputs and compare scenarios to see how sensitive the estimate is.

Back to calculator topics ↑

Assumptions and factors not included

Actual mutual-fund returns are market-linked and not guaranteed. Fund expenses, taxes, missed instalments, changes in contribution, and the timing of market gains or losses can materially change the outcome.

The live result above currently shows ₹2,49,78,698. Change the inputs and compare scenarios to see how sensitive the estimate is.

Back to calculator topics ↑

How to use the estimate

Compare a realistic return range, choose a contribution you can sustain, align the horizon with your goal, and review the plan periodically instead of reacting to short-term market movements.

The live result above currently shows ₹2,49,78,698. Change the inputs and compare scenarios to see how sensitive the estimate is.

Back to calculator topics ↑

Reviewed for clarityUpdated July 30, 2026

India-specific contextValues use Indian numbering and ₹ amounts.

Important noteFor planning and educational use.

Your privacy mattersInputs remain on your device.

Frequently asked questions

Is SIP return guaranteed?+

No. A SIP is an investing method, not a guaranteed-return product. The result depends on the performance of the selected investment.

Can I increase my SIP later?+

Yes. Many investors use a step-up SIP. Recalculate with a higher monthly amount to understand the potential impact.

Does this include fund charges and tax?+

No. The headline estimate does not deduct expense ratios, exit loads or investor-specific taxes.

What return should I enter?+

Use a cautious long-term assumption appropriate to the asset class and compare multiple scenarios rather than relying on one rate.