Total investment
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Investment breakdown
Share of your total contributions versus net returns at maturity.
Investment vs growth
See how your SIP contributions compound into corpus over time.
| Year | Investment | Interest | Corpus |
|---|---|---|---|
| Run a calculation to see the yearly schedule. | |||
Also calculate
Switch tools without leaving your flow.
Goal Planning SIP Calculator
Work backwards from a target corpus to the SIP you need.
Open calculator →
Step-up SIP Calculator
Model SIPs that increase by a fixed % every year.
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SIP Expense Ratio Calculator
See how mutual fund fees drag SIP corpus over time.
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SIP Inflation Calculator
View SIP corpus in today’s rupees after inflation.
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Lumpsum Calculator
Project one-time mutual fund investments over your chosen tenure.
Open calculator →
How a Systematic Investment Plan builds a corpus
A Systematic Investment Plan invests a fixed amount into mutual funds at regular intervals rather than in one go. Each instalment buys units at whatever the NAV is that day, so you average your purchase cost instead of betting on a single entry point. This calculator estimates the maturity value, separates your contributions from the returns, and shows the corpus year by year.
What the inputs mean
- Investment amount and frequency — monthly matches most salary cycles, but weekly, fortnightly, quarterly, and yearly are all modelled at a matching per-period rate.
- Expected annual return — an assumption, not a promise. Conservative figures make for plans that survive bad years.
- Investment period — the single input with the most leverage over the result, because compounding rewards time more than amount.
The formula
Maturity value is the future value of an annuity, compounded at your chosen frequency. The annual
expected return r becomes a per-period rate
i = (1 + r)^(1/n) − 1
where n is the number of periods per year, so switching frequency does not silently change
the annual assumption.
Reading the result
The split between invested amount and returns is the number worth watching. Early on, almost all of the corpus is your own money; on a long tenure the returns eventually dwarf the contributions. That crossover is the whole argument for starting early, and it is visible in the yearly breakdown.
This page assumes a flat contribution with no fees or inflation adjustment. To raise the SIP each year use the step-up SIP calculator; to net off fund fees use the expense ratio calculator; to see the corpus in today’s rupees use the inflation calculator. If you already know the corpus you need, the goal planning calculator works backwards to the required contribution.
Further reading
Our guides cover how much to invest every month, step-up SIPs, the real cost of expense ratio, and how SIPs compare against fixed deposits and PPF. The full list is on the guides page.
FAQ
SIP calculator FAQs
What is a SIP?
A Systematic Investment Plan invests a fixed amount into a mutual fund at a chosen interval, usually monthly. Each instalment buys units at the prevailing NAV, so your purchase cost averages out over time instead of depending on the day you started.
Which investment frequency should I choose?
Pick the one that matches your cash flow — monthly suits most salaries. The annual return you enter is converted into a matching per-period rate, so weekly, fortnightly, quarterly, and yearly plans are all treated consistently and the frequency itself barely changes the outcome.
How much should I invest every month?
Start from the corpus you need and the time you have, then find the contribution that reaches it at a conservative return. Check that the figure survives a lean month: a SIP you abandon after two years does less for you than a smaller one you keep for twenty.
What return should I assume?
Long-term equity illustrations commonly use 10%–12% a year, and debt-oriented plans rather less. Choose a figure you would still be comfortable with in a bad decade, because the projection is only as honest as this input.
Why is my corpus mostly contributions in the early years?
Compounding needs a base to work on. For roughly the first third of a long tenure most of the corpus is money you put in; after that returns start to outgrow contributions. The yearly breakdown shows where that crossover happens for your inputs.
Does this account for fund fees or inflation?
No — this page shows a gross, nominal projection. The expense ratio calculator nets the fund fee off your expected return, and the inflation calculator restates the corpus in today’s rupees. Both matter over long tenures, and both are on separate pages so you can see one effect at a time.
Should I invest monthly or all at once?
It depends on where the money is. A SIP suits income arriving every month; if you already hold a lump sum, investing it now puts more capital to work sooner, which helps if markets rise afterwards and hurts if they fall. The lumpsum calculator models that case.
Can I withdraw a SIP investment anytime?
Most open-ended funds allow redemption on business days at the applicable NAV, subject to exit load and tax. Some schemes, ELSS in particular, have a lock-in. Check the scheme documents before you count on the money being available.
Are these results guaranteed?
No. Markets do not deliver a steady annual return, so actual results will differ from any constant-rate projection. Treat the output as a planning estimate, not a forecast, and not as investment advice.