How much should I start a SIP with?

Start with an amount you can sustain for years rather than the largest amount you can afford this month. Many investors begin at ₹2,000–₹5,000 a month and step it up by 10% each year as income grows — consistency matters far more than the starting number.

Is a SIP better than a lumpsum?

A SIP suits money that arrives monthly from salary and spreads your entry across market levels. A lumpsum suits money already in hand for a long-horizon goal. Most families use both — SIPs from salary, lumpsums from bonuses.

What return should I assume in a SIP calculator?

Assume the asset class, not the best fund. Diversified Indian equity funds have historically delivered roughly 11–13% over 10+ year periods, debt around 6–7%. Returns are not guaranteed and shorter periods can look very different.

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SIP Calculator

A Systematic Investment Plan puts a fixed amount into a mutual fund every month. This calculator shows what that monthly habit could grow into, splitting the projected value into what you invested and what the market added.

SIP Calculator

What a monthly investment could grow into.

Blank gray fields need your amounts. Gray values are recommended starting assumptions and can also be changed. Green fields have been entered or changed.

Monthly SIP₹Expected return% p.a.Durationyears

Invested amount: ₹0
Estimated gains: ₹0
Projected value: ₹0

How to use this calculator

Enter the amount you can invest every month without disturbing it.
Use a realistic long-run return — 11–13% for diversified equity, 6–7% for debt.
Set the duration to the number of years until you need the money.

Frequently asked questions

How much should I start a SIP with?: Start with an amount you can sustain for years rather than the largest amount you can afford this month. Many investors begin at ₹2,000–₹5,000 a month and step it up by 10% each year as income grows — consistency matters far more than the starting number.
Is a SIP better than a lumpsum?: A SIP suits money that arrives monthly from salary and spreads your entry across market levels. A lumpsum suits money already in hand for a long-horizon goal. Most families use both — SIPs from salary, lumpsums from bonuses.
What return should I assume in a SIP calculator?: Assume the asset class, not the best fund. Diversified Indian equity funds have historically delivered roughly 11–13% over 10+ year periods, debt around 6–7%. Returns are not guaranteed and shorter periods can look very different.

Turn this number into an actual roadmap

A calculator gives you a target. Getting there needs the right asset mix, insurance in place first, and a review every six months. The first consultation is free.

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Disclaimer: Calculations are illustrative and assume constant returns. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.