Put in a monthly amount. See what it could become.SIP calculator: estimate what your monthly SIP could grow to.

How to use the SIP calculator

1. Enter how much you can invest each month, from ₹500 to ₹1,00,000.
2. Choose how many years you plan to stay invested, from 1 to 40.
3. Pick an expected return a year between 6% and 16%. Try a few rates to see a range, not just one number.

How to read your result

Amount invested is simply your monthly amount multiplied by the number of months. Estimated returns is the growth on top of that, and total value is the two added together.

For example, ₹5,000 a month for 10 years is ₹6,00,000 invested. At an assumed 12% a year, the total value comes to about ₹11.6 lakh. The year-by-year chart shows that most of the growth comes in the later years. This is compounding: growth earns more growth over time.

These are illustrations, not promises. Mutual fund returns are market-linked, so real values go up and down along the way. Read what to do with your SIP when markets fall, or see how we help you start a SIP.

How the SIP calculator works

It uses the standard formula for money invested at the start of every month. P is your monthly amount, i is the yearly rate divided by 12 (12% a year is 0.01 a month), and n is the number of months. M is the estimated value at the end.

M = P × ({[1 + i]^n − 1} ÷ i) × (1 + i)