📈 SIP Calculator

🔒 No signup, no login — free to use. This tool runs entirely in your browser; your numbers and files never leave your device.

See how your small monthly investment can grow over years with compounding.

What Is a SIP?

SIP stands for Systematic Investment Plan. It means you invest a fixed amount every month in a mutual fund or savings plan, instead of investing one big amount at once. The money grows through compounding — your returns also start earning returns. That is why starting early matters more than investing a big amount late.

For example, investing Rs 5,000 every month for 10 years at an expected 12% return can grow to around Rs 11.6 lakh, even though you only invested Rs 6 lakh. The extra amount is the power of compounding. But remember, the return rate is only an estimate — mutual funds do not guarantee returns, and actual results can be higher or lower.

Use this calculator to test different monthly amounts and time periods. Even Rs 1,000 a month for 20 years can become a large amount. The two lessons are simple: start small, and stay invested for a long time. Never invest money you need for daily expenses, and never borrow money to invest.

Read the full guide: How to Calculate SIP Returns  |  ← Back to all tools