Guide
SIP calculator explained: compounding, expected returns, and corpus math
A SIP is a monthly annuity. Here is how future value is estimated and why the rate you enter matters more than the app you use.
Open the SIP calculatorWhat a SIP projection really is
The calculator assumes a constant monthly return derived from your annual expected rate. Markets do not move in a straight line, so treat the result as a planning range, not a guarantee.
Worked example
₹10,000 a month for 15 years at 12% invests ₹18 lakh. With monthly compounding the estimated corpus is about ₹50.5 lakh. The gap is compounding — not a bonus from the fund house.
₹1 crore, 10/15/20 years, and product mix
Required SIP for a ₹1 crore goal, future value by monthly amount, and SIP vs FD vs PPF vs NPS are finance-question pages that reuse this formula. They are not duplicate SIP explainers.
Popular finance questions
Calculator-backed answers that use this tool.
- How much SIP should I invest every month to reach ₹1 crore?
- How much should I save from my salary every month?
- How much will my SIP be worth after 10, 15 or 20 years?
- How much should I invest monthly for my child's education?
- How long will it take me to become a crorepati?
- Should I invest in SIP, FD, PPF or NPS?