SIP Calculator
Estimate what a monthly Systematic Investment Plan grows into — in both nominal and inflation-adjusted terms.
How this works
Every installment is invested at the start of the month and compounds monthly at your expected return until the end of the tenure. The Real Value line applies your inflation assumption month by month, so long tenures show honestly how much purchasing power your corpus really represents. For rate-of-return metrics like XIRR and CAGR, or to chain multiple life stages together, load the plan into the Timeline Simulator.
Why SIPs work
A SIP removes timing decisions from investing: you buy every month regardless of market mood, which averages your purchase cost and — more importantly — keeps you invested long enough for compounding to dominate. In a typical 15-year SIP at 12% p.a., roughly half the final corpus is growth rather than contributions, and that share keeps rising with tenure.
New to the math? Read how to calculate compound interest or compare simple vs compound interest. Investing a one-time amount instead? Use the Lump Sum Calculator.