IndiaBusinessTools
₹5,000
12%
10 Yr
0%

Assumes 6% avg inflation

Invested Amount

₹6.00 L

Est. Returns

₹5.62 L

Total Value

₹11.62 L

What is a SIP Calculator?

A SIP Calculator estimates the future value of your mutual fund investments made at regular monthly intervals. It uses compound interest math to show how small, disciplined contributions grow into a large corpus over time — demonstrating the power of rupee cost averaging.

How to Use It

  1. 1Enter your monthly SIP amount (e.g. ₹5,000)
  2. 2Set the expected annual return rate (typical equity funds: 10–14%)
  3. 3Choose your investment duration in years
  4. 4Optionally set an Annual Step-Up % to increase your SIP each year
  5. 5Toggle 'Inflation Adjusted' to see returns in today's purchasing power

Example

Investing ₹5,000/month for 10 years at 12% annual return: you invest ₹6 lakh total and accumulate approximately ₹11.6 lakh. Add a 10% annual step-up and the corpus grows to over ₹18 lakh from the same starting amount.

Why Use It

  • Plan for long-term goals like retirement, children's education, or buying a home
  • Compare SIP vs lumpsum strategies side by side
  • Understand the compounding effect and why starting early matters
  • Model inflation-adjusted real returns to see actual purchasing power

Frequently Asked Questions