SIP Calculator Online Free
Calculate your SIP (Systematic Investment Plan) returns. See how your mutual fund investments grow over time.
About this tool
How to project a SIP
Enter your monthly investment, an expected annual return and the number of years. You get the projected corpus, the total you will have invested, and the difference between them.
Why the growth curve bends
A systematic investment plan puts a fixed sum in every month, and each instalment starts compounding from the date it is invested. The maths is a future-value-of-annuity calculation, but the intuition is simpler: money invested in year one compounds for the whole period, money invested in the final year barely compounds at all.
That asymmetry produces the curve everyone notices. ₹10,000 a month for ten years at 12% invests ₹12 lakh and projects to roughly ₹23 lakh. Run the same plan for twenty years and you invest ₹24 lakh, double the amount, but project around ₹99 lakh, more than four times the ten-year figure. The extra decade does far more work than the extra money.
Reading the projection honestly
The number is a projection, not a forecast. It assumes a constant annual return, and markets do not deliver constant returns. They deliver averages made of very good and very bad years. Two portfolios with the same average can end up far apart depending on when the bad years land.
Returns here are nominal. At 6% inflation, ₹1 crore in twenty years buys what about ₹31 lakh buys today, so judge the result in today's money before deciding it is enough. Also account for tax on redemption and for any expense ratio, which the projection does not model.
Frequently asked questions
What return should I assume?
Be conservative. Long-run equity index returns in India have been in the low teens, but past performance does not carry a guarantee, and assuming a lower figure protects the plan.
Does it account for step-ups?
No. It assumes a constant monthly amount. Increasing your instalment with your income has a large effect that this projection will not show.
Is this investment advice?
No. It is a compound-growth calculation for planning purposes. Mutual fund investments carry market risk; consult a registered adviser.
Written and maintained by Nudge Systems, Surat
Last reviewed