SIP Calculator
See how your monthly SIP investment could grow over time at your expected rate of return.
Assumes a constant rate of return, which real markets don't provide. This is an estimate for planning, not a guarantee.
Frequently asked questions
What return rate should I use?
Equity mutual funds have historically returned roughly 10-14% annually over long periods, though this varies significantly and isn't guaranteed. Conservative planning often uses a lower assumed rate.
Is SIP better than a lump sum investment?
SIP averages your purchase price over time (rupee cost averaging) and suits regular income earners; lump sum can outperform in consistently rising markets but carries more timing risk.
Does this account for inflation?
No — the future value shown is nominal. To estimate real purchasing power, you'd need to separately discount for expected inflation over your investment period.