SIP Calculator
See how small monthly investments can grow over time and understand whether your SIP is on track for long-term goals.
What this SIP Calculator does
A SIP (Systematic Investment Plan) calculator estimates how your monthly investments can grow over time. It helps you understand the impact of consistency and compounding on long-term wealth creation.
This calculator allows you to choose whether your SIP is invested at the start of the month or at the end of the month, a distinction that has a real impact on long-term returns.
How SIP returns are calculated
Instead of using a shortcut formula, this calculator performs a month-by-month calculation. Each month, your existing corpus grows by the expected return, and your SIP contribution is added based on the selected timing.
The monthly return rate is derived from the annual return assumption by dividing it by 12. This mirrors how most mutual fund projections work.
Start vs end of month SIP
A SIP invested at the start of the month gets one extra month of compounding compared to an end-of-month SIP. Over long periods, this difference can add up. Banks usually assume end-of-month SIPs, while many apps show start-of-month projections. This calculator makes the assumption transparent.
What really drives SIP success
While timing affects results slightly, the biggest drivers of success are staying invested, increasing duration, and maintaining discipline through market cycles.