Tool · 01
SIP & Micro-Investing Calculator
Plug in your monthly SIP, expected return, and timeline. See exactly how compounding turns small monthly amounts into serious wealth.
Total Invested
₹6,00,000
6.00 L over 10 yr
Wealth Gain
₹5,61,695
5.62 L earned
Future Value
₹11,61,695
≈ 11.62 L
Invested
51.6%
Wealth Gain
48.4%
Year-by-year growth
Insight
At ₹5,000/mo for 10 years, your wealth gain is 94% of what you invested. Time in the market beats timing the market.
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds every month, automating the process and averaging your purchase cost across market ups and downs. It's the most popular way Indians invest in equity mutual funds.
How the SIP calculator works
Our calculator uses the standard future value formula for monthly recurring deposits: FV = P × ((1+i)ⁿ − 1) / i × (1+i), where P is your monthly investment, i is the monthly rate, and n is the total months. Adjust the sliders to see how changing the amount, return rate, or duration impacts your wealth gain.
SIP returns vs lumpsum
SIPs win on consistency and rupee-cost averaging. Lumpsum wins when markets are undervalued and you have a long horizon. For salaried investors with monthly income, SIP is almost always the right starting point.
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