SIP Calculator
See how your monthly investments grow over time with the power of compounding.
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Everything you need to know
What's a SIP, Anyway?
SIP (Systematic Investment Plan) is basically the "set it and forget it" way of investing. You pick a fixed amount — say 5,000 or 100 a month in your local currency — and it automatically goes into a mutual fund every month. Over time, compounding does the heavy lifting and your money grows way more than you'd expect.
How to Use This Calculator
Just plug in three things: how much you want to invest each month, the expected annual return (8–12% is a common starting point for equity funds), and how long you plan to stay invested. Hit calculate and you'll see the magic of compounding laid out — total invested, total returns, and the final value.
Why SIP Works So Well
The real superpower of SIP is something called cost averaging. When markets dip, your monthly investment buys more units; when markets are up, you buy fewer. Over years, this smooths out volatility and usually gives you better returns than trying to time the market.
Quick Tips
- Start early — even a small amount per month started in your 20s can beat a much larger amount started in your 40s.
- Don't stop during dips — that's actually when SIP works best.
- Step up annually — increase your SIP by 10-15% each year as your income grows (check our Step-up SIP Calculator for this).
- Stay invested for 7+ years — compounding needs time to really show results.
Related Tools
Want to model annual increases? Try the Step-up SIP Calculator. Compare with lump-sum growth using the Compound Interest Calculator, or plan your loan alongside investments with the Loan EMI Calculator.