SIP Calculator
Enter a monthly amount you'll invest, an expected return, and how many years. See the final value and how much of it comes from your own money versus investment gains.
How a SIP builds money
A SIP is when you invest a fixed amount every month into a fund. You automatically buy more units when prices drop and fewer when they're high. Over the years, your gains start earning gains too—that's compounding, and it does most of the work.
The return you enter is a guess, not a guarantee, because market-linked funds move up and down. Use a number you believe in over the long run, and remember that how long you stay invested matters way more than the exact rate. For other financial plans, try our other calculators.
Common questions
Is my return guaranteed?
No. Funds tied to markets don't guarantee returns. Treat the number you enter as an estimate. This shows what an average return would grow into, but real years will be higher and lower.
What return should I use?
Pick a long-term average you believe in, not your best-case year. Many people use 10–12% for equity and lower for debt funds, but it's your choice. The calculator just uses whatever number you enter.
Does the date I invest change the result much?
Not much. This assumes you invest at the start of each month. Mid-month timing shifts things slightly. Your monthly amount and how many years you invest matter way more than the exact day.
Add SIP Calculator to your website
Embed this free SIP Calculator on your site or blog. Just copy the code below, paste it into your page, and your visitors can use the calculator without leaving your site.
The widget is responsive and works on WordPress, Squarespace, Wix, Webflow, and any HTML page. You can adjust the width and height in the code above.