SIP Calculator India — Monthly Investment to Wealth with CAGR Projection
Enter your monthly SIP amount, expected return, and tenure. Get total corpus, wealth gain, and a year-by-year growth curve — instantly. Download Excel.
Nifty Next 50: ~13–15%
Flexi-cap MF (avg): ~11–13%
EPF (current): 8.25%
Bank FD (5yr): ~6.5–7.5%
PPF (current): 7.1%
| Year | Monthly SIP | Total Invested | Corpus | Wealth Gain | vs Benchmark |
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How SIP Returns Get Calculated
A Systematic Investment Plan compounds monthly contributions using the future value of an annuity formula. Each monthly installment earns returns for a different number of months — the first installment compounds for the full tenure, the last only for one month. The total corpus equals the sum of all these compounded installments.
The real-world driver of SIP returns is the CAGR achieved by the underlying fund over the investment period. Nifty 50 has delivered approximately 12–13% CAGR over rolling 20-year periods, though annual returns vary widely — from −50% in crisis years to +80% in bull years. SIP's disciplined buying across market cycles reduces average cost through rupee cost averaging, which narrows the gap between annual volatility and long-term CAGR.
Step-up SIPs — increasing monthly contribution by 5–10% annually in line with salary growth — dramatically compound terminal corpus. A ₹10,000/month SIP at 12% CAGR for 20 years produces ₹99.9 lakh. The same SIP with a 10% annual step-up produces ₹1.89 crore — nearly double, from contributions that still feel proportional to income at each point in time.