SIP Calculator in Ahmedabad
See what a monthly SIP could grow into. Enter your monthly amount, an expected return and your time horizon — optionally add an annual step-up — and watch your invested capital and estimated gains compound year by year. Returns are estimates; mutual funds are subject to market risk.
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How it's calculated
The formula
Future value of a SIP = P × ([(1 + i)ⁿ − 1] ÷ i) × (1 + i), where P is the monthly instalment, i is the monthly rate (annual return ÷ 12 ÷ 100) and n is the number of months. With a step-up, P increases by the step-up percentage each year and each year's contributions are compounded to maturity.
Assumptions
- A constant expected annual return for the full period (real returns fluctuate).
- Investments made at the start of each month (annuity due).
- No exit load, expense ratio or taxes deducted in the projection.
Sources
Real-world scenarios
See exactly how the numbers play out in the situations people actually face — so there are no surprises before you commit.
₹10,000 a month for 20 years at 12%
Investing ₹10,000 every month for 20 years at an assumed 12% return means you put in ₹24 lakh of your own money — and end up with roughly ₹1 crore. About ₹76 lakh of that is pure compounding, which is exactly why a disciplined monthly SIP beats trying to time the market.
Starting five years earlier
Begin the same ₹10,000 SIP at 25 instead of 30 — 25 years instead of 20 — and the corpus nearly doubles to about ₹1.9 crore, even though you invest only ₹6 lakh more. Time in the market is the single biggest lever you control: the best day to start a SIP was years ago, the next best is today.
Stepping up your SIP each year
Raising your SIP by just 10% a year as your income grows can add tens of lakhs to the final corpus versus a flat amount, because the extra rupees get the longest runway to compound. Try the Step-up SIP calculator to see the difference an annual increase makes.
Illustrative figures on standard reducing-balance / compounding assumptions — your actual numbers may vary.
Frequently asked questions
The details worth knowing before you rely on these numbers.
What is a SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in a mutual fund at regular intervals (usually monthly). It builds discipline, averages your purchase cost across market cycles (rupee-cost averaging) and harnesses compounding over time.
How is SIP return calculated?
This calculator treats each monthly instalment as invested at the start of the month and compounds it at your expected annual return (converted to a monthly rate). The future value of all instalments is summed to give your final corpus.
What return should I assume for a SIP?
Diversified equity mutual funds in India have historically delivered roughly 11–13% per annum over long periods, though returns vary year to year and are not guaranteed. A conservative 10–12% is a reasonable planning assumption.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a set percentage every year — for example 10%. Because the higher contributions also compound, even a modest step-up can dramatically increase your final corpus.
Are SIP returns guaranteed?
No. Mutual fund investments are subject to market risk. The figures here are estimates based on the return you enter; actual returns will differ. Read all scheme-related documents carefully before investing.
Should I invest through a SIP or a lumpsum?
A SIP invests a fixed amount regularly, averaging your purchase price across market ups and downs — which suits a monthly income and a volatile market. A lumpsum can work when you have a windfall and a long horizon. Neither guarantees a better result, since returns are market-linked; many investors do both — a core SIP plus lumpsums when they have surplus.
What happens if I miss a SIP instalment?
Nothing as drastic as a loan default — there is no penalty for a missed SIP; the fund house simply skips that month if your bank balance is short. Missing several instalments in a row can pause the mandate, so keep enough balance on your SIP date. You can also pause a SIP formally if money is tight.
Can I stop or withdraw from my SIP whenever I want?
Yes. Open-ended equity SIPs are flexible — you can pause, stop or redeem at any time with no lock-in (the exception is ELSS, which locks each instalment for three years). That said, stopping early cuts short the compounding that makes a SIP work, so withdraw for genuine needs rather than short-term market swings.
Is this SIP calculator free?
Yes — it is free, needs no sign-up, and runs entirely in your browser. Your inputs stay on your device unless you choose to speak with an Apex TechFin advisor.
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