SIP Returns Calculator
Monthly SIP · corpus · returns
₹10,000
12%
15 years
Increase your SIP by this % each year
0%
₹50.46 L
Maturity Value
₹18,00,000
Invested
₹32,46,000
Returns
2.8x
Wealth Multiple
12%
Effective CAGR
Power of compounding
Your money grows ~2.8× over 15 years. Start early — even a 5-year head start can double your final corpus.
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How SIP returns are calculated
A Systematic Investment Plan (SIP) uses the future value of an annuity formula, compounding monthly:
Formula (simple SIP): FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i), where P = monthly investment, i = monthly rate, n = number of months.
SIP tips that actually move the needle
- Start now, not later. ₹10,000/month for 25 years beats ₹20,000/month for 12.
- Step up yearly by 8–10% (matching salary hikes) — this alone can add 40%+ to your corpus.
- 12% is a reasonable long-term equity assumption — don't plan on 20%+.
- Stay invested through dips. That's literally when you buy more units cheaply.