CalcInfinitySIP Calculator
Estimate how much your monthly SIP could grow to, based on an expected annual return.
What is a SIP?
A SIP (Systematic Investment Plan) is a way of investing a fixed amount into a mutual fund every month, instead of investing a lump sum all at once. Each installment buys units at that month's price, so the average purchase cost smooths out over time.
Why use this calculator?
It's hard to picture how a modest monthly amount turns into a large sum purely from compounding over years. This calculator shows the future value of your monthly investment at an expected return rate, split into how much you actually invested versus how much came from growth.
How SIP returns are calculated
Each installment is assumed to be invested at the start of its month (the convention every major SIP calculator uses), so it compounds for that full month too.
Worked Example — ₹5,000/month for 10 years
Frequently Asked Questions
Common Mistakes to Avoid
- The return rate is never guaranteed. Mutual fund returns fluctuate with the market — treat the rate you enter as a planning estimate, not a promise, especially over shorter durations.
- This models a fixed monthly amount only. It doesn't account for step-up (annual increases), inflation adjustment, or an additional lumpsum on top — use the Lumpsum Calculator separately for a one-time investment.
- Longer duration matters more than a slightly higher rate. Compounding needs time to work — extending your tenure by a few years usually grows the future value more than chasing a couple extra percentage points of return.
References
- Association of Mutual Funds in India (AMFI)
- Securities and Exchange Board of India (SEBI)
Last reviewed July 2026