SIP Calculator
See how a small, regular investment compounds into real wealth. Enter your investment amount, expected return and tenure to project your SIP's maturity value.
Your numbers
Monthly investment
₹
Expected return (p.a.)
%
Investment period
yrs
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Include step-up SIP, different frequencies, and inflation adjustments
Consider inflation
Include inflation impact on real returns
Result
Invested
Gain
Total investment
₹0
Total gain
₹0
Total value
₹0
Wealth multiple
-
To reach ₹1 crore in 10 years, increase your monthly investment to ₹43,471
Monthly SIP provides optimal rupee cost averaging and better returns compared to quarterly/yearly investments.
How SIP is calculated
P = investment per period, r = periodic rate of return, n = total number of periods.
- Monthly investment: The fixed amount you invest every period.
- Investment period: The total number of years you plan to invest.
- Expected return: The annual return rate you expect from your investments.
- Inflation impact: Shows the real value of your investment by accounting for inflation over time.
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Monthly investment schedule
Detailed breakdown of your SIP investment calculations
| Month | Investment | Returns | Total |
|---|---|---|---|
| Month 1 | ₹10,000 | ₹100 | ₹10,100 |
| Month 2 | ₹10,000 | ₹201 | ₹10,201 |
| Month 3 | ₹10,000 | ₹303 | ₹10,303 |
| Month 4 | ₹10,000 | ₹406 | ₹10,406 |
| Month 5 | ₹10,000 | ₹510 | ₹10,510 |
| Month 6 | ₹10,000 | ₹615 | ₹10,615 |
| Month 7 | ₹10,000 | ₹721 | ₹10,721 |
| Month 8 | ₹10,000 | ₹829 | ₹10,829 |
| Month 9 | ₹10,000 | ₹937 | ₹10,937 |
| Month 10 | ₹10,000 | ₹1,046 | ₹11,046 |
| Month 11 | ₹10,000 | ₹1,157 | ₹11,157 |
| Month 12 | ₹10,000 | ₹1,268 | ₹11,268 |
| Month 13 | ₹10,000 | ₹1,381 | ₹11,381 |
| Month 14 | ₹10,000 | ₹1,495 | ₹11,495 |
| Month 15 | ₹10,000 | ₹1,610 | ₹11,610 |
| Month 16 | ₹10,000 | ₹1,726 | ₹11,726 |
| Month 17 | ₹10,000 | ₹1,843 | ₹11,843 |
| Month 18 | ₹10,000 | ₹1,961 | ₹11,961 |
| Month 19 | ₹10,000 | ₹2,081 | ₹12,081 |
| Month 20 | ₹10,000 | ₹2,202 | ₹12,202 |
| Month 21 | ₹10,000 | ₹2,324 | ₹12,324 |
| Month 22 | ₹10,000 | ₹2,447 | ₹12,447 |
| Month 23 | ₹10,000 | ₹2,572 | ₹12,572 |
| Month 24 | ₹10,000 | ₹2,697 | ₹12,697 |
Frequently asked questions
SIP is an investment strategy where you invest a fixed amount regularly (monthly, quarterly, or yearly) in mutual funds or other investment instruments. It helps in rupee cost averaging and building wealth over time through the power of compounding.
SIP helps in wealth creation through the power of compounding and rupee cost averaging. By investing regularly, you buy more units when prices are low and fewer units when prices are high, reducing the average cost per unit and maximizing returns over the long term.
In SIP, you invest small amounts regularly over time, while in lump sum investment, you invest a large amount at once. SIP reduces market timing risk, provides discipline, and is suitable for regular income earners.
Inflation adjustment shows the real value of your investment by accounting for the decrease in purchasing power over time. It's calculated using the formula: Real Value = Nominal Value / (1 + Inflation Rate)^Years.
SIP returns depend on the fund's performance, investment duration, market conditions, expense ratio, and the frequency of investments. Higher returns come with higher risk, so choose funds based on your risk appetite.
Monthly SIP is generally considered the best as it provides better rupee cost averaging, more frequent investments, and higher potential returns. However, choose based on your cash flow and investment goals.
Yes, most SIPs offer flexibility to pause, stop, or modify the investment amount. However, check for any exit loads or charges before making changes.
Start with an amount you can comfortably invest every month without affecting your essential expenses. Even ₹500-1000 per month can create significant wealth over 10-15 years.
SIP works best over the long term (5+ years). The longer you invest, the more you benefit from compounding. Consider continuing SIP until you reach your financial goals.
Don't panic during market downturns. Continue your SIP as you'll buy more units at lower prices. SIP is designed to work well in volatile markets through rupee cost averaging.
Step-up SIP allows you to increase your investment amount periodically (monthly, quarterly, or yearly). This helps you invest more as your income grows, accelerating wealth creation.
Step-down SIP reduces your investment amount over time, suitable for approaching retirement or when you need to reduce monthly commitments.
Goal-based SIP planning involves calculating the required monthly investment to achieve a specific target amount. This helps you stay focused and disciplined in your investment journey.
Yes, you can have multiple SIPs for different financial goals like retirement, children's education, house purchase, etc. This helps in better financial planning and goal achievement.
- Educational purpose only. This calculator is for educational and planning purposes only. Results are estimates based on standard financial formulas and current assumptions. They are not financial advice.
- Investment risks. Investment returns and financial outcomes are subject to market risks and uncertainties. All investments carry inherent risk, and you may lose some or all of your invested capital.
- Professional consultation required. These calculations do not constitute financial, investment, or tax advice. We strongly recommend consulting a qualified financial advisor, tax professional, or legal expert before making financial decisions.
- Accuracy limitations. While we strive for accuracy, actual results may vary due to market conditions, regulatory changes, fees, taxes, and other factors not accounted for here. Past performance does not guarantee future results.
- Regulatory compliance. Please ensure compliance with applicable laws and regulations in your jurisdiction when making financial decisions based on these calculations. Tax laws and financial regulations vary by region.
- Data privacy & security. All calculations run locally in your browser. We do not store, transmit, or collect any personal financial information you enter here.
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