Free SIP Calculator

A Systematic Investment Plan (SIP) is one of the most popular ways to invest in mutual funds in India. Instead of putting in a large amount all at once, you invest a fixed amount every month - and compounding does the heavy lifting over time. This calculator shows you exactly how much your money can grow based on three inputs: monthly investment, expected annual return rate, and investment duration. The math behind it uses the future value of an annuity formula, which accounts for the fact that each monthly installment earns returns for a different length of time. Early contributions compound for longer, which is why starting early makes such a noticeable difference in the final corpus. What usually surprises people is how much of the final amount comes from returns rather than their own contributions, especially over longer periods. A 15-year SIP at 12% can easily return more in gains than the total amount you put in - and seeing that breakdown is often the push people need to actually start investing consistently. This is a projection tool, not a guarantee. Actual mutual fund returns vary based on market conditions. But for planning purposes, historical averages for equity mutual funds in India have typically been in the 10-15% range over long periods.