SIP Calculator
Compare up to 4 SIP scenarios, understand maturity value, and choose the best investment path for your goal.
Compare up to 4 SIP options
Scenario Summary
Invested
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Total Value
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Compare SIP Investments & Plan Your Financial Goals
The "+ Add Another SIP" button above lets you line up to four SIP scenarios side by side — useful for comparing how a different monthly amount, expected CAGR, or investment duration changes your final corpus, without re-entering numbers over and over. Each row's own summary card updates live, and the comparison table further down shows total invested, final value, and total gain for every scenario you add, with the strongest option highlighted based on whichever metric you pick — highest final value, highest gain, lowest monthly commitment, shortest duration, or highest CAGR.
This is especially useful for long-term investors planning for retirement or a child's education, since two SIP plans that look similar on paper — say, a smaller monthly amount over a longer period versus a larger amount over a shorter one — can produce noticeably different final corpus values once compounding is factored in, and that difference is far easier to spot in a side-by-side table than by running the numbers separately.
Planning a financial goal?
If you want to calculate how much SIP is required to reach a target amount like ₹50 lakh or ₹1 crore, try our goal planner.
Open Step-Up SIP Goal Calculator →Why Choose SIP Investment?
Disciplined Saving
Invest consistently with automated monthly investments.
Rupee Cost Averaging
Buy more units when markets fall and fewer when high.
Power of Compounding
Returns generate returns over long time horizons.
Flexible Investment
Start small and increase anytime.
How SIP Growth Is Actually Calculated
Every SIP figure on this page comes from compounding each monthly contribution individually from the month it's invested. In formula terms, the calculator adds your monthly amount to the running total and multiplies by (1 + monthly rate) once per month, for every month of the chosen duration — where the monthly rate is your expected annual CAGR divided by 100 and by 12. This is different from compounding a single lump sum: your first month's contribution compounds for the full duration, but your final month's contribution barely compounds at all, since it's only invested for one month before the calculation ends.
A Worked Example
Using the calculator's own default inputs — Rs. 5,000 a month at an expected 12% CAGR for 10 years — total invested comes to Rs. 6,00,000 and the projected final value is about Rs. 11,61,695, a gain of roughly Rs. 5,61,695, meaning the gain alone is nearly as large as everything actually invested. Extend the same monthly SIP to 20 years instead of 10, and the final value doesn't just double — it grows to about Rs. 49,95,740, more than 4.3 times the 10-year result, even though total invested only doubles to Rs. 12,00,000. That's compounding doing most of the work in the later years, which is also why starting a SIP early matters more than most people expect: the extra years at the start of a long SIP contribute disproportionately to the final number.
Why a Small CAGR Difference Matters
Assumed return has an outsized effect over long durations. The same Rs. 5,000/month SIP over 10 years grows to about Rs. 11,61,695 at a 12% assumed CAGR, but to about Rs. 13,10,457 at 14% — a difference of roughly Rs. 1,48,762 from just a 2-percentage-point change in the return assumption. Because mutual fund returns are market-linked and not guaranteed like an FD rate, it's worth running the comparison at a conservative CAGR as well as an optimistic one, rather than relying on a single assumed number for financial planning.
Common Mistakes
The most common one is treating the "Expected CAGR" input as a guaranteed return rather than an assumption — equity mutual fund returns vary significantly year to year and the actual CAGR over your real investment period could be meaningfully higher or lower than what you enter here. Another is comparing SIP scenarios with different durations without accounting for how much of the final value gap is simply due to more time invested versus a genuinely different monthly commitment — use the comparison table's "Total Invested" column alongside "Final Value" to separate the two effects. People also sometimes stop or pause a SIP during a market downturn, which this calculator doesn't model — the "Rupee Cost Averaging" benefit mentioned above specifically depends on continuing to invest through both up and down markets, not just when values are rising.
SIP Calculator – Frequently Asked Questions
What is SIP?
SIP (Systematic Investment Plan) allows investors to invest a fixed amount regularly in mutual funds, helping build wealth over time through disciplined investing and compounding.
How are SIP returns calculated?
SIP returns are calculated using a compound interest formula based on monthly investments, expected CAGR, and total investment duration.
Is SIP better than lump sum investment?
SIPs reduce market timing risk and promote disciplined investing, making them suitable for long-term goals, especially during volatile markets.
Smart SIP Investment Tips
- Increase SIP annually to beat inflation.
- Stay invested for long periods for compounding.
- Avoid stopping SIPs during market corrections.
- Review funds once a year, not monthly.