SIP Calculator

Monthly Investment
₹
Expected Return Rate (p.a)
%
Investment Time
Yr
Inflation Rate
%
Future Value
₹
( 0 )
You can edit the value above to see your adjusted returns.
💡 Adjust any input or change the future value to see how it impacts your returns.
💡 Inflation-Adjusted Invested Amount i
₹ 0
Invested Amount ₹ 0
Estimated Returns ₹ 0
What your total invested amount is worth in today's money, after accounting for inflation over the investment period.

How does a SIP grow your money?

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund, instead of investing a large sum all at once. Each instalment buys units at that month's price, and over time your money benefits from compounding — the returns you earn start earning their own returns.

Investing regularly, regardless of whether markets are up or down, also gives you rupee-cost averaging: you buy more units when prices are low and fewer when prices are high, which smooths out your average purchase cost over the long run.

Factors that affect your returns

  • Monthly investment — a larger SIP amount compounds into a larger corpus over the same period.
  • Expected return rate — even a couple of percentage points of difference compounds into a large gap over 10–20 years.
  • Investment horizon — the longer you stay invested, the more time compounding has to work.
  • Consistency — pausing or stopping SIPs during market dips usually hurts long-term returns more than it helps.
  • Inflation — toggle inflation above to see what your future corpus is really worth in today's money.

Tips to get more from your SIP

A few practical habits that make a real difference over the long run:

  • Start as early as you can — time in the market matters more than timing the market.
  • Increase your SIP amount whenever your income grows, instead of only investing the same amount every year.
  • Avoid stopping your SIP during a market downturn — that's usually when you're buying units cheapest.
  • Review your fund's performance annually, but resist reacting to short-term market noise.
  • Keep an emergency fund separate from your SIP, so you're never forced to redeem investments early.

Want your SIP to grow with your income?

A regular SIP keeps your monthly investment fixed for the entire tenure. But as your income grows year on year, your investing capacity usually grows too — a Step-Up SIP lets you increase your monthly instalment by a fixed percentage every year, so your investments keep pace with your earnings.

Over a long horizon, even a modest annual step-up can meaningfully increase your final corpus compared to a flat SIP of the same starting amount.

Which should you choose?

  • If your income is fairly fixed, a regular SIP is simpler to plan around.
  • If you expect steady annual increments, a Step-Up SIP can meaningfully grow your final corpus without straining your budget early on.
  • You can always start with a regular SIP and switch to stepping up your contribution manually each year.

Related reads on investing

Guides and articles to help you invest smarter.

Frequently asked questions

What is a SIP?
A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund at regular intervals, usually monthly, instead of investing a lump sum all at once.
Are SIP returns guaranteed?
No. SIPs invest in market-linked mutual funds, so returns depend on market performance and are never guaranteed. The rate used in this calculator is an assumption for illustration, not a promised return.
Can I stop or change my SIP amount later?
Yes. Most SIPs can be paused, stopped, or modified at any time without a penalty, though staying invested consistently usually leads to better long-term outcomes.
What's the difference between a SIP and a Step-Up SIP?
A regular SIP invests the same fixed amount every month for the entire tenure. A Step-Up SIP automatically increases your monthly instalment by a set percentage each year, letting your investment grow in line with your income.

Ready to apply?

Share your name and number, our team will call you back.