Calculators · SIP
Compounding, visualised.
A systematic investment plan puts a fixed amount into mutual funds every month. See what your monthly SIP could grow to — and how much of the final number is your money versus compounding.
How SIP returns are estimated
Future value = M × ((1 + i)ⁿ − 1) ÷ i × (1 + i), where M is the monthly amount, i the expected monthly return and n the number of months. ₹10,000 a month at 12% for 10 years builds to about ₹23.2 Lakhs on ₹12 Lakhs invested.
Unlike an FD, SIP returns are market-linked — 12% is a common long-term equity assumption, not a promise. The real power is time: the same SIP at 15 years reaches roughly ₹50 Lakhs.
Borrow less by saving ahead
The best loan is a smaller one. A wedding or education SIP started three years early can halve the amount you need to borrow later — and the EMI that comes with it. Pair this calculator with the EMI calculator to see both sides of that trade.
Common questions.
How much will a ₹10,000 monthly SIP grow to in 10 years?
At an assumed 12% p.a., about ₹23.2 Lakhs on ₹12 Lakhs invested. At 15 years it reaches roughly ₹50 Lakhs — compounding accelerates with time.
Are SIP returns guaranteed?
No — SIPs invest in market-linked mutual funds. Historical long-term equity returns in India have averaged 10–14% p.a., but past performance doesn't guarantee future results.
Can I stop or change my SIP anytime?
Yes — SIPs are flexible. You can pause, increase, decrease or stop without penalty (exit loads may apply if you redeem within a fund's minimum period).
Is SIP better than RD?
For horizons beyond 5 years, equity SIPs have historically outperformed RDs, but with volatility. For short, certain goals, an RD's guaranteed return is safer.