SIP Calculator 2026: How Much to Invest Monthly for Crorepati Goals
July 2026
Systematic Investment Plans (SIPs) are one of the most popular ways to invest in mutual funds in India. A SIP calculator helps you estimate how much your monthly investments will grow over time.
How SIP Works
You invest a fixed amount every month in a mutual fund. You get units at the prevailing NAV. Over time, rupee-cost averaging reduces the impact of market volatility.
SIP Returns: Realistic Expectations
Historically, equity mutual funds have delivered 12-15% annual returns over 10+ years. For planning purposes, use 12% for equity funds, 8-9% for hybrid funds, and 6-7% for debt funds.
SIP Calculator Examples
| Monthly SIP | Duration | Expected Returns (12%) | Total Value |
|---|---|---|---|
| ?5,000 | 10 years | ?4.6 Lakhs | ?11.6 Lakhs |
| ?10,000 | 15 years | ?24.1 Lakhs | ?50.1 Lakhs |
| ?25,000 | 20 years | ?1.87 Crores | ?2.47 Crores |
| ?50,000 | 25 years | ?7.16 Crores | ?8.66 Crores |
Power of Compounding in SIP
The earlier you start, the more you benefit from compounding. Investing ?10,000/month from age 25 gives you ~?3.2 Crores by 60. Starting at 35 gives only ~?1 Crore — a 3x difference for the same investment!
Use Our SIP Calculator
See how your monthly investments can grow with our free SIP Calculator. Adjust the amount, tenure, and expected returns to plan your financial future.
Try the tool: SIP Calculator