FinanceSphere India calculator
SIP Calculator (India)
Estimate your potential corpus from monthly SIP contributions and compare outcome ranges before committing to a fixed monthly amount.
Updated for FY 2025–26 India
FinanceSphere Editorial Team— FinanceSphere Editorial Team
FinanceSphere Editorial Team produces and reviews calculators, comparisons, and guides using a methodology-first process designed for real household decisions under constraints.
SIP Calculator (India)
Forecast SIP growth with monthly ₹ contributions and return assumptions.
Quick scenarios
Result
₹52,736
Total invested
₹40,000
Estimated gains
₹12,736
Assumption: projection uses a constant annual return and monthly contribution; real-world returns will vary.
How to interpret the result
- Affordability guidance: Pick a SIP amount you can continue through weak markets and high-expense months.
- Risk warning: Short horizons and frequent SIP pauses can break expected compounding outcomes.
- Next step: Pair this output with FD vs SIP and tax planning pages before final monthly allocation.
Checkpoints before locking a monthly amount
- Run the same goal at ₹5,000, ₹10,000, and ₹25,000 monthly to find a contribution you can sustain in bad months.
- Test 10-year and 15-year horizons separately; short horizons can feel emotionally difficult during drawdowns.
- If salary is variable, base SIP on your lower in-hand month and step-up only after 3 stable salary cycles.
- Pair SIP with emergency cash in savings/FD so market volatility does not force premature withdrawals.