SIP calculator
What a monthly amount could become — and how much of that is your money versus growth.
Your numbers
Enter what you can put in each month and how long you plan to keep going.
After the full term
What a SIP actually is
A systematic investment plan just means putting a fixed amount in on a fixed day, every month, regardless of what the market is doing. Nothing clever. The point is that it removes the decision, and the decision is where most people lose money.
Time beats amount, by a lot
10,000 a month at 12%:
| Years | You put in | It becomes | Growth share |
|---|---|---|---|
| 5 | 6,00,000 | 8,25,000 | 27% |
| 10 | 12,00,000 | 23,23,000 | 48% |
| 20 | 24,00,000 | 99,91,000 | 76% |
| 30 | 36,00,000 | 3,52,99,000 | 90% |
Doubling the years from 10 to 20 does not double the result — it quadruples it. That is the whole argument for starting sooner rather than starting bigger.
Two things this calculator cannot know
- Real returns are not a straight line. A 12% average means some years at 30% and some at −15%. The final figure is a projection, not a promise.
- Inflation eats into it. That is why the last row shows the value in today’s money. 1 crore in 20 years does not buy what 1 crore buys now.
The step-up is the underrated setting
Most people’s income rises every year and their investment does not. Increasing your monthly amount by even 10% a year, in step with a pay rise you have already received, changes the final number enormously without ever feeling like a sacrifice.
Common questions
What return rate should I use?
Historically, Indian equity index funds have averaged somewhere around 11–13% over long periods, and debt funds far less. Use a figure you can defend, and try a pessimistic one too — if the plan only works at 15%, it is not a plan.
Is this a recommendation to invest?
No. This is an arithmetic tool, not financial advice. It shows what compounding does to a number you supply. Speak to a licensed adviser before making investment decisions.
Why does the value in today’s money matter?
Because a large future number is easy to be impressed by and hard to judge. Discounting it back at 6% inflation tells you what it would actually be worth to you.
Does it account for tax?
No. Returns shown are before any tax on gains, which varies by country, fund type and how long you hold. Treat the final figure as the upper bound.
Want this checked on your real account?
A tool can only work with the numbers you give it. If you want someone to look at what is actually happening in your ad account, the first conversation is free.
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