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INVESTING · INDIA

India SIP (Systematic Investment Plan) Calculator

Invest regularly. Build wealth over time.

Your details

▦
25,000 ₹
12 %
5 %
1 %
0 %
5 %
20 years

♢ Your data stays in your browser.

Review or recalculate this result online:
Verified for 2026-27Methodology 2026-27.1 · reviewed 2026-08-08 · review by 2027-03-01

Estimated future value after fees and entered tax

₹3,04,42,763

Updated instantly from your inputs

Monthly SIP amount

₹25,000

Principal

₹99,19,786

Interest

₹2,05,22,977

Value in today’s money (5% inflation)

₹1,14,73,557

Principal vs. interest

Principal₹99,19,786
Interest₹2,05,22,977

Growth over time

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Assumptions used
FY 2026–27Rates remain constant for the projection unless you change them.Future values are nominal unless a today’s-money result is displayed.
Not automatically includedActual returns, inflation, fees and tax can differ from the assumptions entered.
Reviewed 16 August 2026 · Next review: Annual review

Compare scenarios

Change one assumption at a time to understand the trade-off.

Understand your result

Clear context for the values above.

Power of compounding

Power of compounding is included so you can interpret this estimate and make a better-informed comparison.

Rupee-cost averaging

Rupee-cost averaging is included so you can interpret this estimate and make a better-informed comparison.

Investment discipline

Investment discipline is included so you can interpret this estimate and make a better-informed comparison.

Goal-based investing

Goal-based investing is included so you can interpret this estimate and make a better-informed comparison.

How to use this calculator

  1. 1Enter your values in the fields above using the displayed ₹, percentage, or time units.
  2. 2Read the headline estimated future value after fees and entered tax together with the supporting metrics.
  3. 3Select a comparison scenario and change one assumption at a time.
  4. 4Check the method and limitations below before using this educational estimate in a decision.

Explore this calculator

What your result means →The headline estimated future value after fees and entered tax is based on the inputs currently shown above.Key terms explained →Review the assumptions, applicable rules, timing and real-world fees before making a decision.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard relationship between the displayed inputs. Results update whenever an input changes.Worked example →Using the current values produces ₹3,04,42,763.Assumptions and limitations →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Costs or factors not included →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?

What your result means

A SIP invests a fixed amount at regular intervals. This estimate combines every monthly instalment with an assumed annual return to show how disciplined investing and compounding can build a future corpus.

The live result above currently shows ₹3,04,42,763. Change the inputs and compare scenarios to see how sensitive the estimate is.

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How this calculator works

The calculator converts the expected annual return into a monthly rate and applies the future-value formula for a stream of monthly investments. It assumes each contribution is invested on schedule.

The live result above currently shows ₹3,04,42,763. Change the inputs and compare scenarios to see how sensitive the estimate is.

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Assumptions and factors not included

Actual mutual-fund returns are market-linked and not guaranteed. The entered expense ratio, step-up and tax rate are simplified planning assumptions; exit loads, tax-lot rules, missed instalments and market timing can change the outcome.

The live result above currently shows ₹3,04,42,763. Change the inputs and compare scenarios to see how sensitive the estimate is.

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How to use the estimate

Compare a realistic return range, choose a contribution you can sustain, align the horizon with your goal, and review the plan periodically instead of reacting to short-term market movements.

The live result above currently shows ₹3,04,42,763. Change the inputs and compare scenarios to see how sensitive the estimate is.

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Source & review statusOfficial reference ↗
Formula reviewed

India-specific contextValues use Indian numbering and ₹ amounts.

Important noteFor planning and educational use.

Your privacy mattersInputs remain on your device.

Important assumptions

Frequently asked questions

Is SIP return guaranteed?+

No. A SIP is an investing method, not a guaranteed-return product. The result depends on the selected investment.

Can I increase my SIP later?+

Yes. Enter an annual SIP increase to model a step-up contribution.

Does this include fund charges and tax?+

It deducts the expense ratio and tax rate you enter. Exit loads and investor-specific holding-period rules are not automatically determined.

What return should I enter?+

Use a cautious assumption and compare the conservative and optimistic return cards rather than relying on one forecast.

Official sources & assumptions

This calculator is for planning. Check the applicable official source before acting on a tax, investment, property, or employment decision.

Primary sourceOfficial reference 1 ↗

Review statusFormula and source reviewed
Period: ongoing

Not includedMarket returns are not guaranteed; entered fees and tax are simplified assumptions, not investor-specific tax advice.

Before you rely on it

Use the result as a planning estimate and complete these checks before making a decision.

Review methodology →

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