Find out how much your monthly SIP can grow into — in 5, 10, 15 or 20 years.
Illustrations at AMFI standard rates: 8% · 10% · 12% p.a. | Not a guarantee of returns.
Adjust Your SIP
₹500₹1 Lakh
1 Yr30 Yrs
8% Conservative
10% Moderate
12% Aggressive
6%18%
Note: 12% p.a. is the AMFI standard illustration rate. Actual mutual fund returns vary by fund, category, and market conditions. Past returns are not indicative of future performance.
⚖️ Return Scenario Comparison — Same SIP, Different Rates
8%
Conservative
Estimated Corpus
—
Invested: —Returns: —
10%
Moderate
Estimated Corpus
—
Invested: —Returns: —
12%
Aggressive
Estimated Corpus
—
Invested: —Returns: —
*Scenario comparison uses your current SIP amount and duration. Returns are illustrative only.
📋 Year-by-Year Breakdown
Year
Total Invested
Returns Earned
Corpus Value
💡 How SIP Compounding Works
📅
Step 1 — Invest Monthly
Every month, a fixed amount is auto-debited and invested in your chosen mutual fund. No timing the market needed.
📈
Step 2 — Units Accumulate
Your money buys more units when markets fall (rupee cost averaging) and fewer when markets rise — smoothing out volatility.
🚀
Step 3 — Compounding Grows Wealth
Returns on your returns create exponential growth. The longer you stay invested, the more compounding works in your favour.
❓ Frequently Asked Questions
How does a SIP calculator work?
A SIP calculator uses the compound interest formula to compute how a fixed monthly investment grows over time. It factors in your monthly SIP amount, investment duration in years, and expected annual return rate to calculate the total invested amount, estimated returns, and final corpus value.
What is the AMFI standard SIP illustration rate?
AMFI (Association of Mutual Funds in India) commonly uses illustration rates of 8%, 10%, and 12% per annum for SIP projections. These are for illustration purposes only and do not guarantee actual returns. Equity mutual fund returns vary based on market conditions and fund performance.
What is a good SIP amount to start with?
There is no universal answer, it depends on your income, goals and existing commitments. A common guideline is to start with an amount you are comfortable investing consistently, and increase it over time as your income grows, using a Step-Up SIP if helpful.
What is the minimum SIP amount in India?
Most mutual funds in India allow SIPs starting from ₹500 per month. Some fund houses offer SIPs from as low as ₹100 per month. There is no upper limit on the SIP amount you can invest.
Is SIP better than a lump sum investment?
SIP offers the advantage of rupee cost averaging, buying more units when markets fall and fewer when markets rise, which reduces the impact of market volatility. A lump sum can work better when markets are at a low point. For most retail investors, SIP is recommended since it builds discipline and removes the need to time the market.
Can I stop or pause my SIP anytime?
Yes, SIPs in mutual funds are generally flexible and can be paused, stopped or modified, subject to the terms of the specific scheme and the platform you invest through.
This information is for general education only and does not constitute investment advice. Mutual Fund investments are subject to market risk, please read all scheme related documents carefully before investing. Deepak Gokul, Founder and Principal Advisor, Deepak Wealth Framework Pvt Ltd, is an AMFI-registered Mutual Fund Distributor, ARN: 328771.
Disclaimer: This SIP calculator is for educational and illustration purposes only. It does not constitute investment advice. Returns shown are based on AMFI standard illustration rates (8%, 10%, 12% p.a.) and are not guaranteed. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Deepak Gokul is a SEBI-compliant AMFI Registered Mutual Fund Distributor (ARN-328771).
Disclaimer
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
