See what your monthly investment could grow into. Move a slider and the answer updates instantly.
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Flat monthly SIP, instalments at the start of each month, compounded monthly. Estimates only; not guaranteed.
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month instead of investing a large sum at once. Because you invest regularly, you buy more units when prices are low and fewer when prices are high. This is called rupee cost averaging, and it removes the pressure of timing the market.
Your money also compounds. Returns earned in one month are reinvested and begin earning returns of their own, so the longer you stay invested, the faster the corpus grows. This is why starting early usually matters more than investing a bigger amount later.
We assume each instalment is made at the start of the month. Some platforms assume the end of the month, which gives a slightly lower result. For a step-up SIP, the instalment rises by your chosen percentage at the start of every year, and the calculator simulates each month. A lump sum simply compounds for the full period.
Investing ₹5,000 a month for 10 years at 12% a year means you put in ₹6,00,000. At that assumed rate it could grow to about ₹11.6 lakh. Stretch the same SIP to 20 years and you invest ₹12,00,000, but the estimated value rises to roughly ₹50 lakh, because the second decade compounds on a much larger base.
A step-up SIP increases your instalment by a fixed percentage each year. If your income grows, a 10% yearly step-up can build a far larger corpus than a flat SIP while staying comfortable for your budget today. Set the step-up slider above to compare.
A SIP suits people who earn monthly and want discipline with less market-timing risk. A lump sum suits you if you already hold a surplus, such as a bonus or maturity proceeds. Use the tabs above to compare both over the same period.
At an assumed 12% a year, a flat SIP reaches ₹1 crore with roughly ₹43,000 a month in 10 years, ₹19,800 a month in 15 years, ₹10,000 a month in 20 years, or about ₹5,300 a month in 25 years. The longer you give compounding, the less you need to invest each month.
At 12% a year, ₹5,000 a month grows to about ₹95 lakh in 25 years, so a flat ₹5,000 SIP reaches ₹1 crore a little after that. Adding a yearly step-up shortens the wait noticeably. Try the step-up slider in the calculator above to see how much.
SIP (सिस्टमैटिक इन्वेस्टमेंट प्लान) में आप हर महीने एक तय रकम म्यूचुअल फंड में निवेश करते हैं। इससे बाज़ार के ऊपर-नीचे होने का असर औसत हो जाता है, जिसे रुपी कॉस्ट एवरेजिंग कहते हैं।
लंबे समय तक निवेश करने पर कंपाउंडिंग का फ़ायदा मिलता है, यानी आपके रिटर्न पर भी रिटर्न बनता है। इसलिए जल्दी शुरू करना अक्सर ज़्यादा रकम लगाने से बेहतर रहता है।
इस्तेमाल कैसे करें: ऊपर कैलकुलेटर में मासिक निवेश, अनुमानित सालाना रिटर्न और अवधि चुनिए। नतीजे तुरंत दिखेंगे। अगर आपका कोई लक्ष्य है, जैसे 1 करोड़ रुपये, तो ऊपर दिया गया लक्ष्य वाला प्लानर देखिए।
Equity mutual funds have historically returned roughly 10–14% a year over long periods, but this is not guaranteed. For planning, a conservative 10–12% is a sensible habit.
No. Returns depend on market performance and can be lower or higher than the estimate. The calculator shows a steady-rate projection, not a promise.
A step-up SIP raises your monthly instalment by a fixed percentage every year, usually in line with income growth, which can grow the final corpus far more than a flat SIP.
No. Capital gains tax, exit load and fund expenses reduce your actual return. Enter a slightly lower rate to account for them.
A SIP suits regular earners and reduces market-timing risk through rupee cost averaging. A lump sum suits you if you already have a surplus. Switch the tab to compare both for the same period.
At an assumed 12% a year, roughly ₹43,000 a month for 10 years, ₹19,800 for 15 years, ₹10,000 for 20 years, or about ₹5,300 for 25 years. Use the goal planner above to try your own numbers.
At 12% a year, ₹5,000 a month grows to about ₹95 lakh in 25 years, so a flat SIP reaches ₹1 crore a little later. A yearly step-up gets you there sooner. Returns are never guaranteed.
No. All calculations run in your browser and the numbers you type are never sent to a server.
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