SIP Calculator India 2026
Plan your wealth journey with our smart SIP calculator. See real-time projections and make informed investment decisions.
Investment Details
10 Thousand
Amount you invest every month
Goal-Based Planning
1 Crore
Your financial goal amount
You need to invest
₹19,819/month
to reach ₹1,00,00,000 in 15 years
Total Invested
₹18.0L
Total Returns
₹32.5L
Duration
15 Years
Inflation Adjusted
₹21.1L
Investment Breakdown
Wealth Growth Timeline
Year-wise Breakdown
| Year | Invested | Returns | Total |
|---|---|---|---|
| 1 | ₹1,20,000 | +₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | +₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | +₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | +₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | +₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | +₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | +₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | +₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | +₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | +₹11,23,391 | ₹23,23,391 |
| 11 | ₹13,20,000 | +₹14,26,148 | ₹27,46,148 |
| 12 | ₹14,40,000 | +₹17,82,522 | ₹32,22,522 |
| 13 | ₹15,60,000 | +₹21,99,311 | ₹37,59,311 |
| 14 | ₹16,80,000 | +₹26,84,180 | ₹43,64,180 |
| 15 | ₹18,00,000 | +₹32,45,760 | ₹50,45,760 |
Power of Compounding
Your money earns returns, and those returns earn more returns. Over 15 years, this snowball effect turns ₹18,00,000 into ₹50,45,760.
Rupee Cost Averaging
By investing monthly, you automatically buy more units when markets are low and fewer when high. This averages out your purchase cost over time.
Time in Market
Starting early matters more than timing the market. Even a small SIP of ₹10,000 can grow to ₹50,45,760 over 15 years.
What is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount regularly (typically monthly) instead of making a lump sum investment. SIP is one of the most popular investment methods in India, with over 7 crore SIP accounts as of 2026.
The key advantage of SIP is rupee cost averaging - when markets are down, your fixed amount buys more units, and when markets are up, it buys fewer units. This averages out your purchase cost over time, reducing the impact of market volatility.
SIP vs FD: Which is Better for You?
Compare Systematic Investment Plan (SIP) in mutual funds with Fixed Deposits (FD) to make an informed investment decision.
| Parameter | SIP (Mutual Funds) | FD (Fixed Deposit) |
|---|---|---|
| Expected Returns | 10-15% (Equity) | 6-7.5% |
| Risk Level | Moderate to High | Very Low (Guaranteed) |
| Minimum Investment | ₹500/month | ₹1,000 (lump sum) |
| Tax on Returns | 10% LTCG (above ₹1L) | As per income slab |
| Liquidity | High (except ELSS) | Penalty on early withdrawal |
| Inflation Beating | Yes (historically) | No (post-tax returns ~4-5%) |
| Best For | Long-term goals (5+ years) | Short-term, risk-averse |
| ₹10K/month for 15 years | ₹50.45L (at 12%) | ₹31.40L (at 7%) |
* SIP returns are not guaranteed and depend on market performance. FD returns are guaranteed by the bank. Consider your risk appetite and investment horizon before choosing.
How is SIP Return Calculated?
SIP Maturity Formula
Where:
- M = Maturity amount
- P = Monthly SIP amount
- r = Monthly rate of return (annual rate / 12 / 100)
- n = Total number of months
For example, investing Rs. 10,000/month at 12% for 15 years: The monthly rate is 1% (12/12/100 = 0.01). Total months = 180. Using the formula, maturity value = Rs. 50.45 Lakh approximately.
Tips to Maximize Your SIP Returns
Start Early, Stay Invested
Starting at 25 vs 35 can nearly double your corpus. Time in the market beats timing the market.
Use Step-Up SIP
Increase your SIP by 10% annually with salary hikes. This can nearly double your final corpus.
Choose Direct Plans
Direct plans save 0.5-1% in expense ratio annually. Over 20 years, this adds lakhs to your corpus.
Stay Calm in Market Crashes
Market dips are buying opportunities with SIP. Continue investing - you get more units at lower prices.
Frequently Asked Questions About SIP
What is Step-up SIP and how does it work?
What returns can I expect from SIP in mutual funds?
Can I withdraw my SIP investment anytime?
How much should I invest in SIP per month?
SIP vs Lumpsum - which is better?
What is the best SIP date to invest?
Is SIP tax-free in India?
How do I start a SIP in India?
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Disclaimer
This calculator provides estimates for educational purposes only. Actual results may vary based on market conditions and fund performance. Consult a qualified financial advisor for personalized advice.
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