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24K Gold₹14,291▼153 22K Gold₹13,100▼140 Silver/g₹235 Platinum/g₹4,895 Petrol₹96.72 Diesel₹89.62 Updated14 Jul 24K Gold₹14,291▼153 22K Gold₹13,100▼140 Silver/g₹235 Platinum/g₹4,895 Petrol₹96.72 Diesel₹89.62 Updated14 Jul
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SIP Calculator

See what a monthly SIP (or a one-time lumpsum) could grow to. Set your amount, an assumed yearly return and the number of years — the returns are illustrative, not a promise.
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SIP / lumpsum calculator

Mode
₹
% p.a.
years
Estimated value₹0
Invested ₹0 · estimated returns ₹0

Returns are an assumption to show compounding — mutual funds are market-linked and not guaranteed. This is an estimate, not investment advice.

How a SIP grows your money

A SIP invests the same amount every month, so you buy more units when the market dips and fewer when it's high — averaging your cost over time. The longer you stay invested, the more compounding does the heavy lifting: your returns start earning returns.

The figure above assumes a steady yearly return, which real markets never deliver in a straight line — some years are strong, some negative. Treat it as a rough shape of the outcome, not a promise. To compare a SIP against gold or a fixed deposit on real recorded data, use our Gold vs FD calculator.

Indicative and for information only — not investment advice. RatesToday is not a SEBI-registered adviser.

SIP calculator — FAQs

A Systematic Investment Plan (SIP) is investing a fixed amount every month into a mutual fund, so you buy more units when prices are low and fewer when high. It builds a habit and averages your cost over time.
Each monthly instalment grows for the months remaining until the end. The tool sums them using the standard future-value formula at the return rate you set. The return is an assumption, not a guarantee — markets go up and down.
No. Mutual-fund returns are market-linked and vary year to year. The rate you enter is only an assumption to illustrate compounding. Past performance does not predict future returns.
A SIP spreads risk over time and suits regular savers; a lumpsum can do better in a rising market but risks bad timing. Use the toggle to compare both for your numbers.
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