Introducing the SIP Calculator — Plan Your Wealth, One Month at a Time

Systematic Investment Plans (SIPs) are the most common way Indians invest in mutual funds — and for good reason. They remove the guesswork of timing the market, automate discipline, and let compounding do the heavy lifting.

We’ve wanted to build a great SIP calculator for a while. Today, we’re shipping it.

What the SIP Calculator does

Enter three numbers:

• Monthly investment — how much you invest every month
• Expected annual return — your assumed CAGR (Compound Annual Growth Rate)
• Tenure — how many years you plan to invest

The calculator instantly shows you:

• Total invested — the actual cash you put in
• Estimated returns — what compounding adds on top
• Total corpus — what you walk away with at the end

It also draws a clear bar showing the invested vs returns split — so you can see at a glance how much of your corpus came from compounding rather than your own pocket.

Why we built it this way

Most SIP calculators give you a single number. We wanted to show the split — because the ratio of returns to invested amount is what makes compounding visually compelling.

When you invest ₹10,000/month for 20 years at 12% CAGR:

• You invest ₹24 lakh of your own money
• You end up with ₹99.9 lakh total
• ₹75.9 lakh — 76% of the corpus — is pure compounding

That split is hard to grasp from a single number. The bar makes it obvious.

Formula used

We use the standard SIP future value formula:

FV = P × ((1 + r)^n - 1) / r × (1 + r)

Where P is the monthly investment, r is the monthly rate (annual rate ÷ 12), and n is the total number of months.

What’s next

• Step-up SIP — increase your contribution by a fixed percentage each year
• Goal-based mode — enter a target corpus, get the required monthly SIP
• Inflation-adjusted returns — see real vs nominal corpus

Try the SIP Calculator →