Find out how much your one-time investment will grow over time through the power of compounding.
₹500
₹1 Cr+
1%
30%
0
40+
Total Invested
₹1 Lac
Estimated Returns
₹8.65 Lac
Total Corpus
₹9.65 Lac
Understand the math behind the magic, avoid common investor pitfalls, and learn how small disciplined investments create generational wealth.
A SIP calculator uses the Future Value of an Annuity Due formula — investments made at the start of each period, compounded monthly.
Formula
Live Example
₹10,000/month · 10 years · 12% annual returns
₹11.23 Lakhs of pure returns on ₹12 L invested.
A proven framework that takes you from zero to a fully automated investment in a single afternoon.
Identify what you are investing for — retirement, child's education, home purchase, or wealth creation. Your goal determines the tenure and fund type.
Match the fund category to your time horizon. Large-cap for 5+ years, mid/small-cap for 7+ years. Always check the fund's 5-year and 10-year track record.
Use the SIP calculator above to work backwards from your target corpus. Start with what you can afford — even ₹1,000/month compounds significantly over decades.
Set up an auto-debit mandate so the SIP runs automatically on a fixed date each month. Remove the temptation to skip — consistency is the single biggest driver of SIP success.
Review your portfolio once a year — not monthly. Check if the fund is still on track relative to its benchmark. Rebalance if needed. Step up your SIP amount by 10–15% annually.
Assuming a consistent 12% annual return (CAGR). Illustrative only.
| Monthly SIP | 10 Years | 15 Years | 20 Years | 30 Years |
|---|---|---|---|---|
| ₹5,000 | ₹11.6 L | ₹25.2 L | ₹49.9 L | ₹1.76 Cr |
| ₹10,000 | ₹23.2 L | ₹50.4 L | ₹99.9 L | ₹3.52 Cr |
| ₹20,000 | ₹46.4 L | ₹1.01 Cr | ₹2.00 Cr | ₹7.05 Cr |
| ₹50,000 | ₹1.16 Cr | ₹2.52 Cr | ₹4.99 Cr | ₹17.6 Cr |
* Actual returns are subject to market risks. Past performance does not guarantee future results.
Automates saving before you can spend it. Invisible by default.
Reinvesting returns over decades leads to exponential, not linear, growth.
Start with as little as ₹500/month. Accessible to everyone.
LTCG on equity MFs taxed at 10% (above ₹1 L/year) — far lower than income tax slabs.
Pause, stop, increase, or switch your SIP anytime. No lock-ins (except ELSS).
Market dips are when your SIP buys the most units. Stopping is the worst thing you can do.
Inflation erodes fixed SIP value. Step-up by 10% annually to stay ahead.
Past returns do not predict future performance. Consistency beats chasing.
10 SIPs often just replicate each other. 3–5 well-chosen funds is optimal.
Everything first-time investors ask before starting their SIP journey — answered clearly, without jargon.