SIP Calculator for beginners — start here

SIP stands for systematic investment plan: a fixed amount invested every month into a mutual fund, automatically. “Systematic” means regular — the amount does not change from month to month, and the habit matters more than timing the market. If you have never invested, that single idea is enough to start.

The three numbers you need

First, the monthly SIP: what you can set aside each month. Second, the expected annual return, written as a percentage — 10%, 12%, whatever you want to test. Third, the tenure: how many years you will keep investing. Type those three into the calculator and it returns your maturity value, the total invested and the gain. Nothing else is required, and there is no sign-up.

Worked example

₹5,000 a month at 12% a year for 10 years grows to ₹11,61,695. You invest ₹6,00,000 over those 10 years, so the gain is ₹5,61,695. Notice that the gain is nearly as large as the amount invested — that is normal for a 10-year SIP, and it is the number to compare when you test different monthly amounts.

What to do next

Try the same SIP at a shorter and a longer tenure. A longer tenure raises the total gain a lot, even though the monthly amount stays the same. Pick the longest tenure you can sustain, and never judge a SIP by the monthly amount alone — always look at the gain beside it. This is general information, not investment advice.

Frequently asked questions

Do I need a large amount to start a SIP?

No. Many funds accept ₹500 a month or less. The habit and the tenure matter more than the starting amount.

What is a mutual fund?

A pool of money from many investors, managed together and invested in shares, bonds or both, according to the fund’s stated goal.

Can I stop or pause a SIP?

Usually yes, depending on the fund. Stopping early costs you the compounding of the later years, so pause only if you must.