A SIP puts a fixed amount into a mutual fund every month. This calculator shows what those instalments could grow into.
Move the sliders, or type your own numbers.
This assumes you invest at the start of each month and the return is steady. Real returns move up and down, so treat the answer as a guide rather than a forecast.
How to read this
The big number is what your instalments could add up to. The bar below it splits that into two parts.
The dark part is your own money. The light part is what growth added on top. Over short periods your own money is most of it. Stretch the years out and the light part takes over.
Try it. Set 10 years, then change it to 25 and watch the split move. That single change explains more about investing than any amount of reading.
A warning about the return box
The expected return is the one number here you cannot know. It is an assumption you are making, not something the calculator can tell you.
People type 12% because a calculator somewhere had it as the default. Then they build a plan on it.
A better habit is to run your number twice. Once at the rate you hope for, and once two or three points lower. If the plan only works at the higher rate, it is not really a plan yet.
There is more on what a SIP can and cannot do in SIP investing: what consistency can and cannot do. If you are working towards something specific, turning a distant goal into a monthly number runs the sum the other way round, starting from the amount you need.
This calculator is for learning. It is not personal financial advice and it is not a forecast. The result depends entirely on the return you type in, and no investment gives a fixed return. Money that can grow can also fall in value. For advice about your own situation, speak to a SEBI-registered investment adviser.