Estimate how much your monthly SIP will grow to with compounding returns. Enter your monthly investment, expected annual return, and investment period to see the projected corpus and wealth gain.
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Estimated corpus at maturity
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InvestedReturns
Assumes constant monthly SIP, annual returns compounded monthly. Returns are indicative — actual results vary with market performance.
How to use
Enter your Monthly Investment — the fixed amount you plan to invest each month.
Set the Expected Annual Return — use 12% for a typical equity mutual fund benchmark.
Set the Investment Period in years — longer periods dramatically increase corpus via compounding.
See your estimated corpus, returns, and how many times your money grew.
Try the Quick Presets for popular SIP goals like becoming a crorepati or building a retirement corpus.
Frequently Asked Questions
How is SIP corpus calculated?
Corpus = P × [(1 + r)^n − 1] ÷ r × (1 + r), where P = monthly SIP, r = monthly rate (annual ÷ 12 ÷ 100), n = total months.
What is a realistic return to expect from a SIP?
Equity mutual funds in India have historically returned 12–15% annually over the long term. Use 10–12% as a conservative benchmark for planning.
How much should I invest monthly in SIP?
A good rule is 20% of monthly income. A ₹10,000/month SIP over 20 years at 12% can build a corpus of over ₹99 lakh.
Is SIP better than a fixed deposit?
SIPs in equity funds typically outperform FDs over 10+ years due to compounding and higher equity returns. FDs are capital-protected; SIPs carry market risk.
What happens if I miss a SIP installment?
Missing a SIP installment does not attract a penalty — the installment is simply skipped. The SIP resumes the next month.
Does SIP work during a market crash?
Yes — through rupee cost averaging, you buy more units when the NAV is low, reducing your average cost and boosting long-term returns.
Did you know?
India's SIP industry crossed ₹26,000 crore in monthly contributions in 2024, reflecting a massive shift towards disciplined retail investing.
The "Rule of 72" says your money doubles roughly every 72 ÷ annual return years. At 12% annual return, your SIP corpus doubles in about 6 years.
A ₹500/month SIP started at age 25 at 12% returns will grow to over ₹1.76 crore by retirement at 60 — that's 35 years of patience.