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Last updated: October 2026

📊 SIP Calculator

Har mahine thoda-thoda invest karke bada corpus kaise banta hai? Apna monthly amount, expected return aur time period daaliye — total invested, estimated gains aur maturity value turant dekhiye, growth chart ke saath.

Advanced SIP Calculator

Normal SIP, yearly step-up aur target-based monthly SIP—teenon ka complete investment growth calculation.

₹500₹2 lakh
0%30%
1 year40 years
0% normal SIP30% yearly
₹5 lakh₹10 crore
Projected corpus with step-up₹33,74,326
Without step-up₹23,23,391
Total invested₹19,12,491
Estimated returns₹14,61,835
Starting monthly SIP for your goal₹29,636

Goal calculation includes the selected annual step-up. Return is an illustration, not a guarantee.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

Year-wise growth chart

Chart aur totals isi calculator ke current inputs se bante hain.

Estimated valueAmount invested
SIP year-wise growth chart Line chart comparing invested amount and estimated portfolio value over the selected duration.

Year-wise breakdown

Step-up SIP ke annual deposits, value aur returns.

YearInvestedValueReturns
SIP kaise calculate kare?

Monthly amount, expected yearly return aur duration dalein. Normal SIP ke liye step-up 0 rakhein; salary ke saath contribution badhana ho to yearly step-up choose karein. Goal amount se required starting SIP bhi turant milegi.

Popular SIP guides: 10-Year SIP Calculator · ₹5,000 SIP Calculator · ₹10,000 SIP Calculator · ₹1 Crore SIP Calculator

How to Use

  1. Apna monthly SIP amount daalein (jaise ₹10,000).
  2. Expected annual return set karein (equity funds ke liye aam taur par 12%).
  3. Investment period saalon me chunein.
  4. Growth chart ke saath projected corpus, invested amount aur gains turant dekhein.

Formula

FV = M × ((1+r)n − 1) / r × (1+r)

Where M = monthly investment, r = monthly expected return (annual ÷ 12 ÷ 100), n = number of months.

💡 Example

Example: ₹10,000/month SIP, 12% return, 10 saal → ₹12 lakh invested badhkar ≈ ₹23.23 lakh ho jata hai. 15 saal tak continue karein to ≈ ₹50.46 lakh — sirf 5 saal extra me corpus double se zyada. Isi ko kehte hain compounding ki taakat.

FAQs — SIP Calculator

SIP (Systematic Investment Plan) is a way to invest a fixed amount regularly — usually monthly — in mutual funds. It builds wealth through compounding and rupee-cost averaging.

Equity mutual funds have historically delivered ~10–14% annualised over long periods, but returns are market-linked and not guaranteed. Use conservative estimates for planning.

For long-term goals (7+ years), equity SIPs have generally beaten FD returns, but with higher risk. FDs suit short-term, capital-safe goals.

Yes, most mutual funds allow you to pause or stop SIPs anytime without penalty (exit loads may apply if redeemed within a year).

12% annual return ke hisab se lagbhag ₹50 lakh — jabki tumne khud sirf ₹12 lakh invest kiye honge. Baaki ₹38 lakh compounding ka kamaal hai. Lekin yaad rakho, 12% sirf ek assumption hai; actual return market par depend karta hai, iski koi guarantee nahi hai.

12% ke hisab se lagbhag ₹2.47 lakh banega. Tumhara total investment ₹1.8 lakh hoga aur lagbhag ₹67,000 growth hogi. Bike, laptop ya emergency fund jaise chhote goals ke liye 5 saal ka SIP kaafi practical option hai.

12% annual return maano to lagbhag 20 saal me ₹1 crore ke kareeb (₹99.9 lakh) ban jayega. Time hi SIP ka sabse bada dost hai — jitni jaldi shuru karoge, utne kam monthly amount se bada corpus banega.

4 main types hain: Equity (shares me invest karta hai, high risk-high return), Debt (bonds me, stable return), Hybrid (dono ka mix), aur Solution-oriented (retirement ya bachhon ki padhai jaise specific goals ke liye). Beginners ke liye large-cap ya index fund se shuru karna sabse aasaan rehta hai.

3 cheezein dekho: expense ratio kam ho (ideally 1% se neeche), fund ka 5-10 saal ka track record benchmark se behtar ho, aur fund manager experienced ho. Sirf past return dekhkar mat kudo — apne risk appetite aur goal se match karke chuno.

Sabse bada risk market risk hai — equity fund me paisa kam bhi ho sakta hai, return ki koi guarantee nahi hoti. Short term me upar-neeche hona normal hai. Isliye 5+ saal ka horizon rakho, aur emergency ka paisa kabhi mutual fund me mat lagao.

Koi magic date nahi hoti — research me 1st, 5th ya 15th me koi bada farak nahi milta. Salary aane ke 2-3 din baad ki date set karo taaki paisa katne me dikkat na ho. Consistency, date se zyada important hai.

Bilkul. Example: ₹10,000 monthly SIP 10 saal me 12% par lagbhag ₹23.3 lakh banata hai — ek achhi car ke liye kaafi hai. Retirement jaise 20-25 saal ke goals ke liye SIP sabse powerful tool hai, kyunki compounding ko poora time milta hai.

Related Guides

All Guides →
📖 SIP vs FD →📖 Step-Up SIP Ki Power →📖 SIP Band Kare Ya Continue? →📖 Emergency Fund Kitna Hona Chahiye →📖 SIP vs Lumpsum →

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