Investing calculator
SIP Calculator
What will your SIP grow to? Set your monthly amount, time frame and expected return rate, and this SIP calculator shows your invested amount, estimated returns and the projected corpus — updated live as you drag. Numbers are illustrative; returns are not guaranteed.
- Invested
- ₹12,00,000
- Est. returns
- ₹11,23,391
- Projected corpus
- ₹23,23,391
For illustration only. Mutual-fund investments are subject to market risks; past performance does not guarantee future results. This tool does not constitute an offer or solicitation to invest.
How this SIP calculator works
A SIP (Systematic Investment Plan) puts a fixed amount into a mutual fund every month. Because each instalment stays invested and earns returns on previous returns, your money compounds over time. This calculator estimates the future value of those monthly investments using the standard SIP formula:
FV = P × [ (1 + i)n − 1 ] ÷ i × (1 + i)
Here P is your monthly investment, i is the expected monthly return (your annual rate ÷ 12) and n is the number of months. The result is split into how much you invested and the estimated returns earned on top.
A worked example
Invest ₹10,000 a month for 10 years at an expected 12% a year. You contribute ₹12,00,000 of your own money. Compounded monthly, the projected corpus works out to about ₹23.2 lakh — roughly ₹11.2 lakh of estimated returns on top of what you invested. Change any slider above to model your own numbers.
Who a SIP suits
A SIP suits anyone investing a salary in regular instalments rather than one lump sum. Spreading your entry across market highs and lows — rupee-cost averaging — turns investing into a monthly habit instead of a timing decision. MoneyGrad is built around exactly that habit: the smallest steady sum, tracked honestly, beats the big bet you keep postponing.
Frequently asked questions
- What is a SIP calculator?
- A SIP calculator estimates the future value of a Systematic Investment Plan — a fixed amount invested in a mutual fund every month. You enter your monthly amount, how long you will invest and an expected annual return, and it projects how much your investments could grow to, split into what you put in and the estimated returns on top.
- How is SIP return calculated?
- It uses the standard SIP future-value formula, FV = P × [ (1 + i)ⁿ − 1 ] ÷ i × (1 + i), where P is the monthly investment, i is the expected monthly return (annual rate ÷ 12) and n is the number of months. Each instalment compounds for the months it stays invested, so earlier instalments contribute the most.
- How much should I invest in a SIP every month?
- There is no single right number — you can start as low as ₹500 a month. Consistency matters more than size: a smaller SIP you keep for years usually beats a larger one you abandon after a few months. Drag the sliders above to see how the projected corpus changes with amount and time.
- Is this SIP calculator accurate?
- The maths is exact, but the result is only an estimate. It assumes a constant return every month, which real markets never deliver — actual mutual-fund returns vary and are not guaranteed. Treat the projection as a planning guide, not a promise.
- Does it account for inflation, taxes or expense ratios?
- No. The projection is a gross figure, before inflation, taxes such as capital-gains tax, and fund expense ratios. Your real, in-hand corpus will be lower. The tool stays deliberately simple so you can compare scenarios quickly.
- Can I lose money in a SIP?
- Yes. Mutual-fund investments carry market risk and their value can fall as well as rise, so a SIP does not guarantee returns or protect against loss. Investing regularly over a long period spreads your entry price, but it does not remove risk.