SIP Calculator
A fixed amount every month, compounding quietly for years. See what it grows into — in lakh and crore, not just zeroes.
Your SIP
Instalments are assumed at the start of each month (annuity due), compounding monthly.
At maturity
Year-by-year ledger
Crore crossings in green| Year | Invested so far | Growth so far | Corpus | In crore |
|---|
How SIP returns are calculated
The future value of a SIP is FV = P × ((1+i)ⁿ−1)/i × (1+i), where P is your monthly instalment, i the monthly rate (annual return ÷ 12) and n the total number of months. The final (1+i) reflects investing at the start of each month, the convention used by most Indian fund houses and platforms.
Two things dominate the outcome: time and consistency. At 12% p.a., ₹10,000 a month becomes about ₹50 lakh in 15 years but roughly ₹99 lakh in 20 — the last five years contribute nearly as much as the first fifteen.
SIP questions
What does ₹10,000 a month become in 15 years?
At 12% p.a., about ₹50.5 lakh — of which only ₹18 lakh is your own money. At 10% it's about ₹41.9 lakh; at 14% about ₹61.3 lakh.
Is SIP better than a lumpsum investment?
They answer different situations. A SIP suits money that arrives monthly (salary) and smooths out market timing; a lumpsum suits money you already have. Compare with the lumpsum calculator.
Does this include expense ratios or taxes?
No. Use a net-of-cost return assumption (e.g. 11% instead of 12%) to approximate fund expenses, and remember equity gains above ₹1.25 lakh a year are currently taxed at 12.5% (LTCG).