SIP Calculator
Estimate what a monthly SIP could grow to. Move the sliders to see the maturity value update instantly.
Invested amount
₹12,00,000
Est. returns
₹11,23,391
Total value
₹23,23,391
- Invested amount₹12,00,000
- Est. returns₹11,23,391
This assumes a steady 12% return every year. Real funds do not move in a straight line — to see what this SIP would actually have earned in a real fund, including the dips, switch to Advanced.
Frequently asked questions
What is a SIP calculator?
A SIP calculator estimates the maturity value of a Systematic Investment Plan based on your monthly investment, expected return rate, and time period.
What’s the difference between the Simple and Advanced SIP calculator?
The Simple calculator assumes a constant annual return you enter yourself. The Advanced calculator uses a specific fund’s real historical NAV data to show what your SIP would actually have earned, including real market ups and downs.
Is SIP better than a lumpsum investment?
Neither is universally better. A SIP spreads your purchases across time, so you buy more units when prices fall and fewer when they rise, which reduces the risk of investing everything at a market peak. A lumpsum puts the full amount to work immediately, which tends to help when markets rise steadily afterwards. SIPs also suit people investing out of monthly income rather than a large existing corpus.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance does not guarantee future returns. These figures are estimates shown before tax, and are for information only — not investment advice.