SIP Calculator

How it works

A Systematic Investment Plan (SIP) invests a fixed amount every month into a mutual fund. Because the amount is fixed, you automatically buy more units when markets are low and fewer when they are high — a discipline called rupee-cost averaging. Over long periods, the real engine is compounding: your gains themselves start earning gains.

Here P is your monthly SIP, i is the monthly return (annual return ÷ 12), and n is the number of months. The final ×(1+i) reflects that each instalment is invested at the start of the month. Try increasing the time period rather than the amount — you will usually find that extra years add far more than extra rupees, which is why starting early matters so much.

This calculator suits salaried earners building long-term goals — retirement, a child's education, a home — who can invest a steady monthly amount and stay invested through market ups and downs.

Frequently asked questions