SIP Calculator

Calculate how much your monthly SIP will grow into — with power of compounding. Updated for 2025.

Monthly SIP Amount (₹)

Expected Annual Return (%)

Investment Duration (Years)

How to Use This SIP Calculator

Monthly SIP Amount: Enter the amount you plan to invest every month. Most mutual fund SIPs start at ₹500.
Expected Annual Return: Historically, NIFTY 50 index funds have returned 12–14% CAGR over 10+ years. Use 10–12% for conservative estimates.
Duration: Longer the horizon, greater the compounding effect. Even ₹1,000/month becomes ₹23 lakh over 20 years at 12% p.a.

M = P × [((1 + r)ⁿ – 1) / r] × (1 + r)

Where: P = Monthly SIP, r = Monthly rate (annual/12), n = Total months

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Open a free Groww account and start a SIP in any mutual fund with just ₹500/month. No brokerage on mutual funds.