Free Online SIP Calculator

1. Enter the amount you plan to invest each month.
2. Enter an expected annual return — conservative figures (10–12% for equity) give realistic projections.
3. Set the horizon in years.
4. Read the maturity value, total invested and estimated gains.
5. Scroll the yearly breakdown to see how compounding accelerates over time.

A Systematic Investment Plan puts a fixed amount into a mutual fund or ETF every month. Two effects drive the long-run result: rupee-cost averaging buys more units when prices are low and fewer when they're high, while monthly compounding accelerates growth as the corpus grows. The future-value formula FV = P · [((1+i)^n − 1) / i] · (1+i) covers monthly contributions P at monthly rate i over n months.

First-time investors use the calculator to translate "₹10,000 a month for 20 years" into a tangible corpus before committing. Goal-based planners work backwards from a target (child's education, down payment) to find the monthly amount needed at a given expected return. The yearly view shows how the last five years of a 20-year SIP often produce more growth than the first ten — the visualisation of compounding.

Expected return is a planning assumption, not a guarantee. Indian equity has historically returned roughly 10–12% over long horizons, but individual years swing widely. Use a conservative estimate for real goals — general information only, not personalised advice.