SIP Calculator: How Much Should You Invest Monthly?
Turn monthly investments into a target corpus with real compound-growth math.
A Systematic Investment Plan (SIP) is the most popular way to build wealth in India — small monthly amounts, compounding over decades. The only real question is: how much should you invest each month to hit your goal?
Try the SIP calculator
The math in plain English
A SIP grows through two forces: the money you add and the returns it earns. At 12% annual returns, a ₹10,000 monthly SIP for 20 years grows to roughly ₹1 crore — your contributions are only ₹24 lakh.
₹10K/mo
for 20 yrs @ 12% ≈ ₹1 cr
₹24L
of that is your own money
12%
long-term equity assumption
How to use the calculator
- 1
Set your monthly amount
Start with what you can commit without stress — consistency beats size.
- 2
Choose an expected return
Use 10–12% for equity, 6–7% for debt, and a blend for balanced funds.
- 3
Set the duration
SIPs reward time — 10+ years dramatically improve outcomes.
- 4
Add a step-up
Increase your SIP 10% yearly to match income growth and accelerate the corpus.
Scenario table
| Monthly SIP | Years | @ 12% | Total invested |
|---|---|---|---|
| ₹5,000 | 10 | ₹11.6 lakh | ₹6 lakh |
| ₹10,000 | 15 | ₹50.4 lakh | ₹18 lakh |
| ₹15,000 | 20 | ₹1.5 crore | ₹36 lakh |
A reality check
Returns vary with markets. Use 10–12% as a planning assumption, not a promise — and always review your asset allocation annually.
Not investment advice
This calculator and article are educational. Consult a SEBI-registered advisor for your specific situation.
FAQ
Frequently asked questions
Calculate your SIP corpus
Step-up, inflation adjustment and year-wise projections — free and instant.
Amar Lodhi
Founder, Vizo Tool
Written by Amar Lodhi, who builds fast, private, browser-based tools that save people time.
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