SIP calculator

What a monthly SIP could grow into.

Total value

₹58,08,477

₹58.08 lakh

after 10 years of ₹25,000 a month

Invested amount: ₹30,00,000
Est. returns: ₹28,08,477
Money multiplied: 1.94×
Returns share of value: 48.35%

In year 10, growth alone adds ₹6,37,939, against the ₹3,00,000 you put in that year. That is compounding: the later years do most of the work, which is why stopping a SIP early costs more than it looks.

Invested amount₹30,00,000
Est. returns₹28,08,477

How it grows, year by year

InvestedReturns

What this calculates

A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund every month. This calculator projects what those instalments could grow into at a steady expected return, and splits the result into what you put in and what compounding added.

Set how much you can invest each month.
Choose a realistic long-term return: lower for debt funds, higher for equity.
Pick how many years you will stay invested.

How it's calculated

M = P × ({[1 + i]ⁿ − 1} ÷ i) × (1 + i)

M: maturity amount
P: amount invested every month
i: monthly rate = annual return ÷ 12 ÷ 100
n: number of monthly instalments

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

No. Mutual fund returns vary with markets. The calculator assumes a constant rate to show the effect of compounding; real returns arrive unevenly.

Each instalment is invested at the start of the month, so every instalment earns one extra month of return. This matches how most SIP calculators, including Groww's, compute it.

Yes. You can increase, pause or stop a SIP at any time. The step-up SIP calculator shows the effect of raising it every year.

What this calculates

Set how much you can invest each month.

Choose a realistic long-term return: lower for debt funds, higher for equity.

Pick how many years you will stay invested.

How it's calculated

M = P × ({[1 + i]ⁿ − 1} ÷ i) × (1 + i)

maturity amount

amount invested every month

monthly rate = annual return ÷ 12 ÷ 100

number of monthly instalments

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

No. Mutual fund returns vary with markets. The calculator assumes a constant rate to show the effect of compounding; real returns arrive unevenly.

Each instalment is invested at the start of the month, so every instalment earns one extra month of return. This matches how most SIP calculators, including Groww's, compute it.

Yes. You can increase, pause or stop a SIP at any time. The step-up SIP calculator shows the effect of raising it every year.

SIP calculator

What this calculates

How it's calculated

Questions about this tool

Is the SIP return guaranteed?

Why is the formula multiplied by (1 + i)?

Can I change my SIP amount later?

SIP calculator

What this calculates

How it's calculated

Questions about this tool

Is the SIP return guaranteed?

Why is the formula multiplied by (1 + i)?

Can I change my SIP amount later?