Kubear logoKubear
Sign up
All tools

SIP Calculator

A small monthly SIP. A very big long-term result.

Invest a fixed amount every month and watch compounding work. Change the amount, tenure or expected return — every number updates instantly.

After the last SIP, you'll have
₹50,45,760
From ₹10,000 every month for 15 years at 12% expected return.
Invested ₹18,00,000Gains ₹32,45,760
You invest
₹18,00,000
180 monthly SIPs
Compounding gains
₹32,45,760
The reason you started
Money multiplier
2.8×
Final value ÷ invested
Plain-English insights
  • Your compounding gains overtake your invested amount around year 11.
  • A 1% higher return would add roughly ₹5,11,053 — small numbers, big tail.
  • You invest ₹18,00,000 and end with ₹50,45,760 — about 2.8× your money in 15 years.
Year-by-year growth
What this tool assumes

We assume the return is smooth and monthly-compounded, and that you never pause or skip a SIP. Real markets are lumpier — some years are 25%, some are −10%. Over a long horizon, an equity SIP averages close to the long-term index return, minus fund fees.

Common questions
What is a SIP?

A Systematic Investment Plan lets you put a fixed amount into a mutual fund every month. You buy more units when markets are down and fewer when they're up, so your average cost stays sane.

Is 12% return realistic?

For a diversified equity fund held for 10+ years, yes. Nifty 50 has delivered close to 12% CAGR long term. Short periods can look very different — 20% in a good year, -10% in a bad one.

Can I stop or pause a SIP anytime?

Yes. SIPs are not locked in (unless it's an ELSS tax-saver, which has a 3-year lock on each installment). You can pause, reduce or stop from your fund platform in a few taps.

SIP or lumpsum — which is better?

If you have money sitting idle and can stomach a fall, lumpsum wins on paper. For most people investing from monthly salary, SIP is the honest answer — you can't time the market anyway.

Are SIP returns taxed?

Yes. Equity fund gains held over 1 year are taxed at 12.5% above ₹1.25 lakh (LTCG). Debt fund gains are taxed at slab rate. This calculator shows pre-tax value.

How this is calculated
FV = P × ((1 + r)ⁿ − 1) / r × (1 + r)

We treat each monthly SIP as its own tiny investment growing at the monthly-compounded return. The final value is the sum of all these installments, each grown for however many months it stayed invested.

Assumptions
  • Return is smooth and monthly-compounded — real markets are much lumpier.
  • You never pause or skip a SIP.
  • Fund fees are ignored (real returns are typically 0.5–1% lower than shown).
  • No tax on gains is applied here — LTCG hits at redemption.
What it can't tell you
  • A 20-year SIP could be 30% below or above this number depending on entry/exit timing.
  • Small-cap and thematic funds can swing much more.
Keep exploring
Article
SIP vs Lumpsum — what to do with that bonus
The Diwali bonus lands. A friend says 'SIP'. Mum says 'FD'. Dad says 'gold'. What should you actually do? Let's look at the numbers, not the opinions.
Tool
Lumpsum Calculator
A one-time investment. See how it grows with compounding over the years.
Tool
PPF Calculator
15-year lock-in, tax-free, government backed. See exactly what it matures to.

Stop juggling apps. Get Kubear.

One calm home for every account, bill and question about your money. Read-only. Made in India.

Sign up