SIP Calculator — See What Your Monthly Investment Will Be Worth

A Systematic Investment Plan (SIP) lets you invest a fixed amount — say ₹5,000 — every month into a mutual fund. Instead of timing the market, you invest regularly and benefit from rupee cost averaging: you buy more units when prices fall and fewer when prices rise.

Over time, this disciplined approach combined with compounding creates significant wealth even from modest monthly contributions. Most Indian mutual fund houses allow SIPs starting at ₹500 per month.

Rupee Cost Averaging: When markets fall, your SIP buys more units. When markets rise, it buys fewer. Over time, your average cost per unit is lower than timing a single lump-sum entry.

Discipline and Automation: SIPs auto-debit from your bank account. You invest without thinking about it — removing emotional decision-making from the process.

Low Entry Barrier: You can start with ₹500/month. You don't need a lump sum to build serious wealth.

Flexibility: Pause, top-up, or stop SIP at any time without penalty (for most open-ended funds).

Power of Compounding: The longer you stay invested, the more your gains compound on previous gains — not just on your contributions.

A 12% nominal return sounds impressive — but if inflation runs at 6%, your real return is only about 5.66%. This is why planning around real returns matters.

Our simulator lets you set an inflation rate so you can see what your maturity corpus is worth in today's money. For example, ₹1 crore in 20 years at 6% inflation is worth only ₹31 lakh in today's purchasing power.

This is why most financial planners recommend equity SIPs for long-term goals — because equity historically outpaces inflation by 6–8% over 10+ year periods.

The required monthly SIP to reach ₹1 crore drops dramatically with more time — this is the single most important insight in personal finance. A 25-year SIP needs less than 7% of the monthly investment a 10-year SIP requires, for the same ₹1 crore target at 12% return.