Free SIP calculator
SIP Calculator
Estimate how regular monthly investments can grow over time. Adjust the monthly amount, expected annual return, and investment period to see your total invested capital and estimated wealth gain.
Inputs
Set your monthly plan
Monthly contribution, expected annual return, and investment horizon drive the projection. The return rate is an assumption, not a guarantee, so test a range of values to see how sensitive the outcome is.
Monthly SIP
Contribution amount you can change
Projection summary
Total invested
Sum of all monthly contributions
Estimated gain
Growth above invested capital
Estimated value
Projected total at the end of the horizon
How SIP compounding works
Compounding rewards time and consistency
A systematic plan invests a fixed amount at regular intervals. Rupee cost averaging buys more units when prices fall and fewer when they rise, while compounding grows returns on earlier contributions over longer horizons.
Rupee cost averaging
Fixed monthly investments spread purchases across market highs and lows, which can smooth the average cost per unit over time.
Compounding horizons
Longer investment periods give returns more time to build on earlier gains, so the growth curve steepens in later years.
Risk across cycles
Market-linked returns vary and can be negative in some periods. Review your assumptions and risk tolerance before relying on any projection.