SIP Calculator
Calculate your Systematic Investment Plan returns and plan your investments better
Min. investment often ₹500-₹1000. Choose an amount you can invest consistently each month.
SIP returns are market-linked (e.g., equity MFs historically averaged 10-15%+) and are NOT guaranteed or fixed like FD rates. RBI doesn't set SIP rates. Enter a realistic expected rate based on the investment type (equity/debt/hybrid) and understand the associated risks.
Long-term investing (10+ yrs) harnesses compounding. Align duration with your financial goals (e.g., retirement, education).
Total Investment
₹12,00,000
Estimated Returns
₹1,44,000
Projected Future Value
₹37,27,018
*Calculations are estimates based on inputs and do not guarantee future returns.
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Explore Investment ServicesUnderstanding Compound Interest
The "magic" behind long-term wealth creation.
Compound interest, often called "interest on interest," is the engine that drives significant wealth growth over time, especially with regular investments like SIPs.
How it works: Instead of just earning returns on your initial investment (principal), you also start earning returns on the accumulated interest itself. In simple terms:
- You invest money (your principal).
- You earn returns (interest) on that principal.
- In the next period, you earn returns on BOTH your original principal AND the interest already earned.
- This cycle repeats, causing your investment to grow at an accelerating rate.
Why it matters for SIPs: With SIPs, you invest regularly (e.g., monthly). Compounding works powerfully here because each new investment starts earning returns, and previous investments continue to grow with their accumulated interest. The longer your investment horizon and the higher the rate of return, the more dramatic the effect of compounding becomes.
*This calculator demonstrates the potential effect of compounding based on your inputs. Remember that actual market returns are variable.*