SIP Calculator

I started SIP investing in my mid-20s and honestly wish someone had shown me these numbers earlier. The difference between starting at 25 vs 35 is massive — not because of the extra years, but because of compounding. This calculator exists so you can see that for yourself.

What The Numbers Actually Mean

• 12% return assumption: This is roughly what Nifty 50 has returned historically over 15+ year periods. Some years it's 30%, some years it's -20%. Over long periods, it averages out.
• Equity funds are volatile: If you need the money in 3 years, expect swings. SIPs work best for 7+ year horizons.
• The "Wealth Gained" bar: That green portion? That's not your money — that's money your money made. Compounding in action.

Common Mistakes I See

Stopping SIPs during market crashes. This is exactly when SIPs work best — you buy more units at lower prices. The 2020 crash? People who kept investing saw great returns by 2021.

Expecting 15-18% returns consistently. Yes, some funds do this. Most don't. Using 12% gives you a realistic picture. If your fund beats it, great — that's a bonus.

Not accounting for inflation. ₹1 crore in 20 years won't have the same buying power as today. Assume 6% inflation and adjust your target accordingly.

My Honest Take

Use this calculator to get a ballpark figure, not a guarantee. Markets don't move in straight lines. The real value of SIP is discipline — it forces you to invest regularly instead of trying to time the market (which almost nobody does well). Start small if you need to, but start.