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SIP Calculator
Enter your monthly investment, expected annual return, and time period to see what your corpus will be — and how much of it is your money vs market gains.
Inputs
₹5.0 K
12%
10 yrs
Corpus breakdown after 10 yrs
Total Corpus
₹11,61,695
Returns Earned
48.4% of corpus
₹5,61,695
Amount Invested
120 months
₹6,00,000
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month — like an automatic savings habit — into a mutual fund or index fund.
Instead of trying to time the market, SIPs use rupee-cost averaging: you buy more units when prices are low and fewer when high, smoothing out volatility over time.
Power of Small Amounts
₹5,000/mo for 20 yrs at 12% → ₹49,95,740
Invested: ₹12,00,000 — market adds the rest.
Why SIPs work for beginners
- No need to pick the right entry point.
- Discipline — money leaves your account automatically.
- Start with as little as ₹500/month.
₹5.0 K/mo × 10 yrs at 12% → ₹11.62 L. You invest ₹6.00 L; market adds ₹5.62 L (48.4%).
Invested vs Returns Over Time