SIP Calculator

Calculate the future value of your Systematic Investment Plan (SIP). Visualize the power of compounding and see how your small monthly savings can grow into a massive corpus.

SIP Planner

Visualize how small monthly investments grow over time.

Monthly SIP Amount

HNI/UHNI? Enter manually (Max: ₹10 Cr)

₹

Investment Tenure

Max: 40 Years

Years

Expected Annual Return (SIP)

Max: 30%

Expected Inflation

Max: 20%

Annual Step-up

Beat inflation and compound wealth faster with an annual step-up.

Max: 500%

Initial Lumpsum

HNI/UHNI? Enter manually (Max: ₹1000 Cr)

₹

Expected Return on Lumpsum

Max: 30%

Future Value

₹23.80L

With SIP Amount ₹5,000

Total Invested

₹9.00L

Total Gained

₹14.80L

SIP Invested₹9.00L

SIP Gain₹14.80L

Lumpsum Inv.₹0

Lumpsum Gain₹0

Reality Check: Your future value will be today's ₹8.62L at inflation rate 7%

Tip: You can set a Goal first in the Goal Planner to calculate SIP targets adjusted for inflation.

What is SIP and how does it work?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount in a mutual fund scheme periodically (monthly, quarterly, etc.). It helps in **Rupee Cost Averaging**—you buy more units when the market is down and fewer when it's up, effectively lowering your average cost of investment over time.

Pro Tip: Step-up your SIP

Even a small 10% annual increase in your SIP amount can result in a much larger corpus at the end of your investment tenure. This helps your investments keep pace with your rising income and inflation.