SIP Calculator

This calculator estimates what a fixed monthly investment could be worth after a number of years if it earns a steady yearly return, compounded monthly. It separates what you put in from what compounding added, and charts how the gap widens over time.

1. Enter how much you plan to invest each month.
2. Set an expected yearly return. Use a conservative figure rather than a fund’s best recent year.
3. Choose how many years you will keep investing.
4. Read the estimated value, then hover the chart to see any single year.
5. Copy the link to compare scenarios side by side in two tabs.

• Real returns are never steady. Market-linked funds rise and fall, and a bad sequence near the end changes the outcome a lot.
• Expense ratios, exit loads and tax on gains are not deducted.
• It assumes you invest on the same date every month and never skip or top up an instalment.
• Inflation is not applied, so the result is in future rupees, which will buy less than today’s.
• The calculation runs entirely in your browser and nothing is sent anywhere. Your figures appear only in the page address, so a link you choose to share reopens the same scenario.

Use a modest long-run figure for the kind of fund you are choosing, and try a lower one as well. Seeing the range is more useful than trusting a single number.

Returns earned in early years start earning returns of their own. That compounding is small at first and large later, which is why staying invested longer matters more than the exact monthly amount.

Neither is always better. A lump sum invested earlier has more time to compound; a SIP spreads your entry over many market levels. This tool only models the SIP side.

No. Mutual fund investments are subject to market risk and this is an illustration of steady compounding, not a forecast of any fund.