SIP Calculator — Monthly SIP Growth India 2026

SIP Growth Calculator

See how your monthly Systematic Investment Plan grows over time, with month-wise and year-wise breakdown.

What is a SIP Calculator?

A SIP (Systematic Investment Plan) calculator computes the future value of fixed monthly investments using compound interest. It applies the formula: FV = P × [((1+r)ⁿ – 1)/r] × (1+r), where P = monthly SIP, r = monthly return rate, n = number of months. Use this tool to plan retirement savings, build an emergency fund, or track any long-term goal.
Your SIP Details
12%
7% Debt 12% Equity 15% Mid-cap
10 yrs
0%
Increase your SIP by this % every year (Step-up SIP)
No Inflation Adjustment Show Real Value (6% inflation)
Estimated Corpus
₹—
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Conservative Estimate:
This calculator uses annuity-due (start-of-month SIP). Actual AMC crediting is mid-month or end-of-month, which gives ~0.5–1% lower returns. The conservative estimate above uses ordinary annuity (end-of-month) — consider this your realistic floor.
Disclaimer: This calculator provides illustrative projections based on a constant assumed rate of return. Actual Mutual Fund returns fluctuate and are not guaranteed. This tool does not constitute investment advice. Guduru Anantha Eswari Rajeswari (ARN-309076) is an AMFI Registered Mutual Fund Distributor, not a SEBI Registered Investment Adviser. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.