SIP Calculator
Estimate your mutual fund corpus on monthly investments
What ₹5,000 a month actually becomes
Most people underestimate compounding because the early results feel underwhelming. The magic is in the curve — returns accelerate the longer you stay invested.
At 25 years, the invested amount is just ₹15.0L — the remaining ₹79.8L is pure compounding gain. Assumes 12% annual return.
When each approach works better
You're salaried with regular income, markets are volatile or trending sideways, and you want to avoid timing decisions. The fixed monthly amount buys more units when prices drop, fewer when they rise — reducing your average cost.
Markets are near a clear bottom and you have surplus cash from a bonus or windfall. Your entire capital benefits from the recovery. A middle ground: invest 60-70% lump sum immediately, route the rest via SIP over 3-6 months.
Step-up SIP — the habit that doubles your corpus
What is a step-up SIP?
Increase your monthly SIP by 10% every year as your income grows. A ₹10,000 SIP stepped up by 10% annually at 12% returns for 20 years grows to ₹1.3Cr. A flat ₹10,000 SIP gives only ₹99.9L — the step-up adds ₹27.0L with small monthly increases.
Starting early vs investing more later
A 25-year-old investing ₹5,000/month at 12% until 55 accumulates ₹1.8Cr. A 35-year-old investing ₹15,000/month reaches only ₹1.5Cr — ₹27.0L less despite 3× the monthly amount. Ten extra years of compounding beat higher contributions.
When to review your SIP
Review annually, not monthly. If the fund's rolling 3-year and 5-year returns consistently lag its benchmark by more than 1-2%, switch to a better fund in the same category. Avoid stopping SIPs during dips — those months buy cheaper units.
How rupee cost averaging works in practice
NAV swings over 6 months: 100, 80, 60, 70, 90, 110. A lump sum investor puts ₹30,000 at 100 → buys 300 units → worth ₹33,000. A SIP investor puts ₹5,000 monthly → buys 368.3 units → worth ₹40,513. The SIP investor ends up with 22% more because the dips let them accumulate cheaper units.
Learn more from our blog
Results are projections only, not guaranteed returns. Mutual fund investments are subject to market risks. Past performance does not indicate future results. This tool does not constitute investment advice — consult a licensed financial advisor before making investment decisions.