SIP Calculator India: Plan Your Investments & Estimate Future Wealth
The SIP Calculator India lets you plug in your monthly contribution, expected annual return and time frame to see how big your corpus can grow; India’s equity mutual funds returned 12.3 % per year on average during the last decade (Value Research, 2023).
SIP Calculator India
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How to use the tool
Follow these steps to forecast your SIP wealth:
Monthly Investment (₹) – type the amount you will invest every month. Example 1: ₹9 000 | Example 2: ₹2 750
Expected Annual Return (%) – enter an annualised growth rate drawn from fund history. Example 1: 10.5 % | Example 2: 8 %
Investment Duration (Years) – set how long you will keep investing. Example 1: 12 years | Example 2: 4 years
Inflation Rate (%) – add average inflation to see real purchasing power. Example 1: 6 % | Example 2: 5.5 %
Press “Calculate” to view future value, total invested, estimated returns, inflation-adjusted value and a growth chart.
Formula used
The calculator applies monthly compounding:
$$
FV = P \times \left[ rac{(1+i)^{n}-1}{i}\right] \times (1+i)
$$
P = monthly investment
i = annual return ÷ 12
n = years × 12
Worked example A
P = ₹9 000, annual return 10.5 %, n = 144 months
i = 0.105 ÷ 12 = 0.00875
$$(1+i)^{n}=1.00875^{144}\approx3.506$$
FV = 9 000 × 289.9 ≈ ₹26.09 lakh
Total invested = ₹12.96 lakh; gain ≈ ₹13.13 lakh
Worked example B
P = ₹2 000, annual return 8 %, n = 48 months
i = 0.006667; $$(1+i)^{n}\approx1.376$$
FV ≈ ₹1 13 560; gain ≈ ₹17 560 on ₹96 000 invested
Inflation adjustment (example A)
Real annual rate = (1+0.105)/(1+0.06) − 1 = 4.25 %.
Inflation-adjusted FV ≈ ₹16.95 lakh.
Quick-Facts
Minimum SIP amount: ₹100 in most funds (AMFI FAQ, 2023).
Average 10-year equity fund return: 12.3 % p.a. (Value Research, 2023).
India’s 2012-2022 average inflation: 5.6 % (World Bank Data, 2023).
Maximum SIP tenure offered by top AMCs: 30 years (HDFC MF FAQ, 2023).
FAQ
What is a SIP calculator?
A SIP calculator estimates the future value of regular mutual-fund investments using compounding maths, saving you manual spreadsheet work (SEBI Investor Charter, 2022).
How does compounding grow my money?
Each month’s return joins the principal, so future returns earn on a larger base; Albert Einstein called compounding “the eighth wonder of the world” (quoted in Malkiel & Ellis, 2020).
How do I pick a realistic return rate?
Check the fund’s 5- to 10-year annualised performance; use 1-2 % lower than the historical average for prudence (Morningstar India, 2023).
Why add an inflation rate?
Inflation erodes purchasing power; adjusting shows what your corpus can buy in today’s rupees, aiding goal-based planning (RBI Handbook, 2023).
Can I stop my SIP midway?
You may pause or cancel any time via the AMC or online platform; no penalty but missed instalments cut long-term gains (AMFI, 2023).
How often should I review my SIP?
Review annually to align with income changes and market shifts; adjust amount, not investment discipline (SEBI Advisory, 2022).
What if my fund posts negative returns?
Short-term dips are common; continue investing to average purchase costs, unless fundamentals deteriorate (NSE Investor Guide, 2023).
Does SIP investment reduce tax?
Only Equity-Linked Savings Schemes (ELSS) qualify for ₹1.5 lakh deduction under Section 80C of the Income-tax Act (CBDT Circular, 2023).
Important Disclaimer
The calculations, results, and content provided by our tools are not guaranteed to be accurate, complete, or reliable. Users are responsible for verifying and interpreting the results. Our content and tools may contain errors, biases, or inconsistencies. Do not enter personal data, sensitive information, or personally identifiable information in our web forms or tools. Such data entry violates our terms of service and may result in unauthorized disclosure to third parties. We reserve the right to save inputs and outputs from our tools for the purposes of error debugging, bias identification, and performance improvement. External companies providing AI models used in our tools may also save and process data in accordance with their own policies. By using our tools, you consent to this data collection and processing. We reserve the right to limit the usage of our tools based on current usability factors.
