SIP Calculator
SIP Calculator
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Reverse SIP
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Total Amount Invested
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Estimated Returns
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Total Corpus
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How to Use
- Enter your monthly SIP amount
- Enter the expected annual return rate
- Select your investment duration
- View year-by-year growth of your investment
₹10,000 Monthly SIP Growth — By Return Rate
| Duration | At 10% | At 12% | At 15% |
|---|---|---|---|
| 5 years | ₹7.74L | ₹8.17L | ₹8.85L |
| 10 years | ₹20.48L | ₹23.23L | ₹27.86L |
| 15 years | ₹41.45L | ₹50.46L | ₹67.69L |
| 20 years | ₹75.94L | ₹99.92L | ₹1.50Cr |
| 25 years | ₹1.33Cr | ₹1.90Cr | ₹3.28Cr |
| 30 years | ₹2.28Cr | ₹3.53Cr | ₹7.00Cr |
Frequently Asked Questions — SIP
At 12% annual return, ₹10,000 monthly SIP for 10 years grows to ₹23.23 lakhs. Your total investment is ₹12 lakhs and estimated returns are ₹11.23 lakhs. The power of compounding becomes more visible after 7-8 years.
At 12% return: ₹5,000/month for 20 years gives ₹49.96L, so you need ~₹10,000/month. At 15% return: ₹5,000/month for 20 years gives ₹75.8L, need ~₹7,000/month. The key insight: starting 5 years earlier can halve the monthly requirement.
For goals beyond 5 years, equity SIP historically outperforms FD significantly (12-15% vs 6-7%). But SIP has short-term volatility. Rule of thumb: Emergency fund in FD, goals under 3 years in debt funds/FD, goals 5+ years in equity SIP.
Yes, SIP in open-ended mutual funds can be redeemed anytime. However, equity funds have 1% exit load if redeemed within 1 year. ELSS funds have 3-year lock-in. For best results, stay invested for at least 5-7 years to ride out market cycles.
Disclaimer: This calculator is for educational purposes only. Consult a financial advisor for investment decisions. Actual values may vary based on lender terms.