India's sharpest SIP calculator. Enter your monthly investment and see exactly how your money compounds — powered by the same formula used by AMFI & SEBI.
Adjust sliders or type values — results update instantly
Quick Presets
Wealth Growth Curve
Your Projection
Invested Amount
₹12,00,000
Estimated Wealth Gain
₹9,18,000
Total Maturity Value 🎯
₹21,18,000
Returns share
43%
of your total corpus
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Invest ₹10,000/month on Groww
Zero commission · 5000+ mutual funds · Takes 2 minutes to start KYC
* Affiliate links. Commission at zero cost to you. SEBI-regulated platforms only.
Ready to execute your plan? These SEBI-regulated platforms are used by crores of Indian investors. All are free to join.
₹0 commission · 5,000+ mutual funds · 2-min KYC · Beginner-friendly
3 Steps · 5 minutes total
1️⃣ Download Groww app (iOS/Android)
2️⃣ Complete video KYC (2 min)
3️⃣ Pick fund · Set SIP date · Done
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1️⃣ Download Angel One app
2️⃣ Complete KYC (PAN + Aadhaar)
3️⃣ Start your Investment Journey
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A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Think of it as an EMI, but instead of paying off debt, you're building wealth. AMFI data shows SIP contributions in India crossed ₹26,000 crore per month in 2024, reflecting its massive mainstream adoption.
The real power of SIP lies in two compounding forces: rupee cost averaging (automatically buying more units when markets dip) and compound interest over time (returns generating their own returns). Neither requires any market expertise — just consistency.
Choose your fund category
Equity (higher returns, higher risk), Debt (stable, lower risk), or Hybrid (balanced). Your choice depends on your goal — wealth creation vs. capital preservation.
Set your monthly SIP amount
Even ₹500/month matters. Your bank auto-debits on a fixed date each month. No manual action needed after setup.
Units are allocated at current NAV
Each month, your money buys mutual fund units at the current Net Asset Value. When markets are low, you get more units — automatically averaging your cost.
Compounding creates exponential growth
Over years, returns earn their own returns. This compounding effect creates a widening gap between what you invest and what you accumulate — as you can see on our chart above.
The SIP Formula Used in This Calculator
M = P × [((1 + r)ⁿ − 1) / r] × (1 + r)
This is the same formula recommended by AMFI and used by all major financial calculators in India.
Priya is a 25-year-old software engineer in Pune. She starts a SIP of ₹5,000/month in an index fund at an average 12% annual return. She invests for 30 years — and doesn't touch it.
She invests
₹18 Lakh
She earns
₹1.42 Cr
She gets
₹1.60 Cr
*Illustrative only. Historical Nifty 50 CAGR is ~12% over 20+ years. Past performance ≠ future results.
🤖
Fully automated
Set once, invest forever. Auto-debit removes the temptation to skip months or time the market.
📉
Rupee cost averaging
Market crashes aren't scary — they mean you're buying units at a discount. Your average purchase price drops over time.
💰
Start with ₹500/month
You don't need a large corpus. Anyone can start, and you can increase the SIP amount anytime income grows.
📈
Compounding is exponential
In year 1 your ₹10K earns a little. In year 20, returns on returns on returns make money while you sleep.
🔄
100% flexible
Pause, top-up, or stop anytime with zero penalty. Unlike a bank RD, SIP doesn't lock your money away.
🛡️
SEBI + AMFI regulated
All mutual funds are regulated by SEBI and AMFI. Fund houses cannot misuse your money — transparency is legally mandated.
Neither is universally better — the right choice depends on when and how you have money available.
| Feature | SIP ✅ | Lump Sum |
|---|---|---|
| Investment style | Monthly installments | One-time |
| Minimum amount | ₹500/month | ₹5,000+ |
| Market timing risk | Low (automatically averaged) | High — timing matters |
| Best suited for | Salaried, regular income | Windfalls, bonuses |
| Discipline required | Auto-debit — minimal | High self-discipline |
| Market downturns | Benefit (buy more units) | Loss of capital value |
💡 Pro tip: Many experienced investors combine both — SIP for monthly salary surplus, and lump sum after annual bonuses.
Everything you need to know about SIP, mutual funds, and this calculator.