See how a monthly Systematic Investment Plan can grow over time. Adjust your investment, expected return, and period to project your wealth.
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A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds every month, harnessing the power of compounding and rupee-cost averaging. Use this calculator to estimate the future value of your investments and plan towards your financial goals.
Each monthly instalment buys fund units at the prevailing NAV. Over time, compounding and averaging across market highs and lows can build significant wealth. Future Value = P × (((1+i)^n − 1) / i) × (1+i), where i is the monthly return and n is the number of months.
Time in the market beats timing the market. Starting a ₹5,000 SIP ten years earlier can more than double your final corpus, because compounding rewards the longest-invested rupees the most.
SIP returns depend on market performance and are not assured. Equity funds have historically delivered 10–14% over long periods, but actual results vary. Treat projections as estimates, not promises.
For long-term equity mutual funds, a conservative 10–12% p.a. is reasonable. Debt or hybrid funds typically return 6–9%. Use a realistic figure and review your plan annually.
Yes. SIPs are flexible — you can increase (step-up), pause, or stop them anytime without penalty. Stepping up your SIP each year as your income grows accelerates wealth creation.
SIP averages your purchase cost across market cycles and removes the stress of timing the market, making it ideal for salaried investors. Lump sum can work better when markets are clearly undervalued.
Equity fund gains held over 1 year are taxed as long-term capital gains at 12.5% above ₹1.25 lakh per year. Each SIP instalment has its own holding period for tax purposes.