₹
₹500₹10,00,000
% p.a.
5% p.a.30% p.a.
140
Invested
Returns
Total₹11,20,17946% returns
Growth over time
ValueInvested
All Calculators
SIP Calculator
Calculate wealth created by monthly SIP investments with compounding returns
What is SIP Calculator?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount in a mutual fund every month. Over time, you benefit from rupee cost averaging and the power of compounding. The SIP return formula is: FV = P × [(1+r)^n − 1] / r × (1+r), where P = monthly investment, r = monthly return rate, n = number of months.
How to use VyajPay's SIP Calculator?
Enter your monthly SIP amount, expected annual return rate (typical equity mutual fund long-term return is 10–14% p.a.), and the investment duration in years. The calculator shows your total invested amount, estimated returns, and the total corpus at maturity. The donut chart visually shows how much of the final value comes from your own contributions vs. market returns.
01
Adjust the sliders or type values to match your scenario.
02
Watch the donut chart update live — blue arc = your returns.
03
Read the result summary below the inputs for the final numbers.
Why use VyajPay's SIP Calculator?
- See the power of compounding — small monthly investments grow into large wealth over time
- Understand how starting early dramatically increases your final corpus
- Compare different SIP amounts and durations to meet specific financial goals
- Completely free, no login required
Frequently Asked Questions
Any amount you can consistently invest each month is the best amount. Even ₹500/month for 30 years at 12% p.a. can grow to over ₹17 Lakh.
No. SIP returns depend on market performance. The calculator uses your expected rate of return as an input. Actual returns will vary.
SIP is a regular monthly investment that benefits from rupee cost averaging. Lumpsum is investing a large amount at once, which can be riskier but rewarding if timed well.
This calculator shows pre-tax, pre-exit-load returns. For accurate post-tax planning, consult a financial advisor.
Related calculators
Lumpsum CalculatorOne-time investment growth calculator with annual compoundingStep-Up SIPIncrease your SIP every year — see the power of annual step-up investingSIP Goal CalculatorStart from the corpus you want — see the monthly SIP that gets thereSimple Interest (Byaj)Calculate flat-rate interest on loans — daily, monthly, or yearlyCompound InterestInterest on interest — see how compounding grows your loan or investmentEMI CalculatorReducing balance EMI — used by banks for home, car & personal loansFlat Rate EMIFlat rate EMI calculation common in informal lending — see the true costSekda Byaj CalculatorRupees per hundred per month converted to a real annual rate
Byaj ka hisab, the Indian way
Ready to track your actual loans?
Use these calculators to plan, then track your real loans, EMIs and borrowers in the VyajPay app for Android and iPhone.