SIP Calculator India
Calculate mutual fund returns, inflation-adjusted maturity value, and absolute wealth creation. Built for Indian investors.
Maturity amount
₹25.23 L
After 15 years at 12% p.a.
Total invested
₹9.00 L
Returns earned
₹16.23 L
180% gain
Inflation-adjusted real value
₹10.53 L
At 6% inflation — in today's purchasing power
Growth curve — amount invested vs portfolio value
Related Reading
SIP vs Lump Sum: What 30 Years of Indian Market Data Shows
Is 12% return realistic for SIP in India? We ran Sensex and Nifty data over three decades to answer — and found the difference is smaller than the debate suggests.
Read articleEducationWhat is Rupee Cost Averaging? How SIPs Work in India
Rupee-cost averaging is not magic — it's arithmetic. Understanding the exact mechanism shows you when it helps most, and when to add a step-up strategy.
Read articleHow the SIP formula works
M = P × {[(1 + r)ⁿ − 1] ÷ r} × (1 + r)
Inflation-Adjusted Real Value
Real Value = M ÷ (1 + inflation)^years
This tells you what your maturity amount is worth in today's purchasing power. ₹1 crore received in 20 years at 6% inflation buys only what ₹31 lakh buys today. Most calculators skip this. We don't.
Worked example
Inputs: ₹5,000/month · 12% annual return · 20 years · 6% inflation
You build ₹49.9 lakh in nominal terms, but inflation erodes its value. In today's purchasing power it's only ₹15.6 lakh — showing why higher SIP amounts and longer durations compound so powerfully.
Frequently asked questions
Everything you need to know about SIP investing, answered plainly.
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