SIP Calculator
Calculate future value of monthly SIP investments
Conversation Mode
Guided planning with one question at a time.
What does this calculator do?
Projects the future value of a fixed monthly SIP using monthly compounding so you can estimate the corpus created over time.
When should I use it?
Use it when you want to understand how regular monthly investing may grow for long-term goals such as retirement, education or wealth creation.
What assumptions are made?
- Monthly SIP contribution remains constant throughout the term.
- Returns are assumed and compounded monthly.
- The illustration does not account for taxes, exit loads or step-up contributions.
Things to remember
- Actual market returns will vary from year to year.
- Starting earlier usually matters more than chasing a higher return assumption.
What next?
Turn this sip calculator into a plan
The calculator gives you a number. The next steps below help place that number inside real family wealth planning — through learning, investment options, guided journeys, and guided conversation.
Investment Knowledge Center
Learn the concept
What Is SIP and Why It Works
A beginner-friendly explanation of SIP, rupee-cost averaging, compounding, and how disciplined investing supports long-term wealth creation.
Goal-Based Investing: Your Blueprint
A practical framework for aligning investments to real life goals instead of chasing products in isolation.
Understanding Investment Risk
Risk is not only about losses. It is also about uncertainty, inflation, liquidity, and concentration. This article reframes risk for long-term investors.
Investment Options
Explore investment options
Family Wealth Planning
Related guided journeys
Clarify
SIP Calculator FAQs
Should I stop my SIP when markets fall?
Usually no. A SIP works precisely because it continues through cycles, allowing lower prices to accumulate more units for the long term.
How much SIP is right for my family?
Enough to move a real goal forward, without straining monthly cash flow. Start with what is sustainable and step up as income grows.
Human guidance
Talk to Niveshalaya
This sip calculator is one input. Niveshalaya can help place it in the context of your goals, cash flow, risk comfort, and long-term family plan.