Zortal
100% Free · No Signup Required · Instant Results

SIP Calculator

Calculate the future value of your monthly SIP investments. See how your money grows with compound returns, year-wise breakdown, and wealth multiplier.

₹10,000
₹
₹500₹2,00,000
12%
%
1 %30 %
10 Years
Years
1 Years40 Years
Invested
Returns

Total Invested

₹12.00 L

₹12,00,000

Estimated Returns

₹11.23 L

₹11,23,391

Future Value

₹23.23 L

₹23,23,391

Your money grows to

1.9x

in 10 years at 12% p.a.

FV = P × [((1+r)n - 1) / r] × (1+r)
Where P = ₹10,000/month, r = 12%/12 = 1.0000%, n = 120 months

How It Works

1

Set Monthly Investment

Use the slider to set your monthly SIP amount — from ₹500 to ₹2 lakh per month.

2

Choose Return Rate & Duration

Set your expected annual return (e.g., 12% for equity funds) and investment duration in years.

3

See Your Wealth Growth

View the future value, total invested vs returns split, wealth multiplier, and full year-wise breakdown table.

SIP Investment Guide — Key Facts

SIP uses rupee cost averaging: you buy more units when markets are down and fewer when markets are up, reducing your average purchase cost over time

Equity mutual fund SIPs have historically delivered 12-15% CAGR over 10+ year periods in India (Nifty 50 average ~12% since inception)

Debt fund SIPs typically deliver 6-8% returns — suitable for conservative investors with 3-5 year horizons

The power of compounding accelerates over time: a ₹10,000/month SIP at 12% grows to ₹23.2L in 10 years, ₹1Cr in 20 years, and ₹3.5Cr in 30 years

SIP investments in ELSS (Equity Linked Savings Scheme) qualify for Section 80C tax deduction up to ₹1.5 lakh per year

You can start, stop, increase, or decrease your SIP amount at any time — there is no lock-in period for most mutual funds (except ELSS which has 3 years)

Frequently Asked Questions

How does SIP work?
SIP (Systematic Investment Plan) allows you to invest a fixed amount in mutual funds at regular intervals (usually monthly). On each SIP date, units are purchased at the current NAV (Net Asset Value). Over time, this averages out your purchase cost — you buy more units when prices are low and fewer when prices are high. This is called rupee cost averaging.
What is a good expected return rate for SIP calculation?
For equity mutual funds, use 12% for a moderate estimate based on historical Nifty 50 returns. For aggressive equity (small/mid cap), 14-15% is reasonable over 10+ years. For debt funds, use 7%. For hybrid/balanced funds, use 10%. Always remember that actual returns will vary and past performance doesn't guarantee future results.
How much should I invest in SIP monthly?
A common guideline is to invest at least 20-30% of your monthly income. Start with whatever you can afford (even ₹500/month) and increase by 10% each year (step-up SIP). The key is consistency — the longer your SIP runs, the more compounding works in your favor.
Is SIP better than lump sum investment?
SIP is better for regular income earners who don't have a large sum to invest upfront. It reduces timing risk through rupee cost averaging. However, lump sum investing can outperform SIP in consistently rising markets. For most people, SIP is recommended because it instills financial discipline and removes emotion from investing.
What is the minimum SIP amount?
Most mutual funds in India allow SIPs starting from ₹500 per month. Some funds allow ₹100 SIPs. There is no maximum limit — you can invest as much as you want via SIP.
Can I withdraw my SIP investment anytime?
Yes, for most open-ended mutual funds you can redeem (withdraw) your investment anytime. ELSS funds have a mandatory 3-year lock-in. Note that redeeming equity fund units held for less than 1 year attracts 15% short-term capital gains tax. After 1 year, long-term gains above ₹1.25 lakh per year are taxed at 12.5%.
What is step-up SIP?
Step-up SIP (or top-up SIP) automatically increases your SIP amount by a fixed percentage or amount each year. For example, starting with ₹10,000/month and stepping up 10% annually means ₹11,000 in year 2, ₹12,100 in year 3, etc. This significantly boosts wealth creation as your income grows.

Related Calculators

Home Loan EMI Calculator

Calculate your monthly home loan EMI with current interest rates. See total interest payable, principal vs interest breakdown, and full year-wise amortization schedule.

Income Tax Calculator

Calculate your income tax for FY 2025-26 under both old and new regimes. See slab-wise breakdown, deductions, surcharge, cess, and which regime saves you more.

Manage Your Entire Practice From One Platform

Website, client portal, task management, CRM, attendance, expenses, and AI agents — built for CAs, consultants, and service firms.

Learn MoreStart Free Trial