SIP Calculator

A Systematic Investment Plan (SIP) lets you invest a fixed amount into Indian mutual funds every month. This calculator shows you the future value of those contributions — how much your corpus will be worth at the end of the investment period, and how much of that is pure return versus capital you put in.

For NRIs investing from the UAE, SIPs in Indian mutual funds work through an NRE or NRO account. There are no LRS limits on SIPs made from an NRE account, and repatriation of maturity proceeds is fully allowed. The INR amount you invest also benefits from any long-term rupee appreciation relative to the AED.

Why this matters specifically for UAE NRIs: You earn in a high-income currency (AED) and invest in an emerging market (India) with historically higher equity returns. A ₹20,000/month SIP from a Dubai salary — roughly AED 900 — in a diversified India equity fund has historically compounded at 12–15% over 10-year periods, outpacing equivalent AED savings instruments.

Enter your monthly investment amount, tenure, and expected return rate. The calculator instantly shows your total corpus, the principal you invested, and the returns generated. Use the currency toggle to plan in INR (for India-based goals like retirement), AED (to sanity-check against your UAE salary), or USD (for global benchmarking).

Key decisions this calculator helps you make:

• How much to SIP monthly: Work backwards from a retirement corpus target or a child's education goal to find the right monthly figure
• How tenure affects outcomes dramatically: A ₹10,000/month SIP at 12% for 10 years gives ₹23L; for 20 years it gives ₹98L — the same monthly investment produces 4x the corpus with double the time
• Direct funds vs regular funds: Regular plan commissions of 1–1.5% annually reduce your effective return. Model the same SIP at 12% vs 10.5% to see the real rupee cost of distributor commissions over 15 years
• SIP vs lumpsum timing: If you receive an annual bonus, should you split it into a monthly SIP or invest as a lumpsum? This calculator combined with the lumpsum calculator gives you the comparison you need

The working of a SIP calculator is based on the compound interest formula for annuity-due (payments at the beginning of each period):

Formula:

FV = P × [(1 + r)ⁿ - 1] / r × (1 + r)

Where:

• FV = Future Value of the investment
• P = Amount you invest each month
• r = Expected rate of return per month (annual rate ÷ 12)
• n = Total number of monthly payments (years × 12)

Example:

If you invest ₹10,000 per month for 10 years at an expected return of 12% per annum:

• Monthly investment (P) = ₹10,000
• Rate per month (r) = 12% ÷ 12 = 1% or 0.01
• Number of months (n) = 10 × 12 = 120

Future Value = ₹10,000 × [(1.01)¹²⁰ - 1] / 0.01 × 1.01 ≈ ₹23.23 Lakhs

Your total investment would be ₹12 Lakhs (₹10,000 × 120 months), and you would earn approximately ₹11.23 Lakhs as returns.

Using our SIP calculator is simple and intuitive:

Step 1: Enter Your Monthly Investment

Use the slider or quick-select buttons to choose how much you want to invest each month. We support investments from ₹500 to ₹1 Crore.

Step 2: Set Expected Returns

Adjust the expected annual return rate. Equity funds typically range from 10-15%, while debt funds range from 6-8%. Be realistic based on your risk appetite and asset class.

Step 3: Choose Investment Period

Select how many years you plan to invest. SIPs work best over longer periods (5+ years) due to the power of compounding.

Step 4: View Results

Instantly see your future value, total invested amount, and expected returns. The visual breakdown helps you understand the growth trajectory.

Step 5: Adjust and Compare

Try different scenarios to find the perfect investment plan for your goals. Switch currencies if you are investing from abroad.

1. Instant Results

Get accurate projections in seconds without complex manual calculations.

2. Plan Better

Visualize different scenarios to make informed investment decisions aligned with your goals.

3. Multi-Currency Support

Calculate returns in INR, USD, or AED - perfect for NRIs investing from UAE, USA, or anywhere globally.

4. Realistic Projections

Our calculator uses proven financial formulas to give you accurate future value estimates.

5. Compare Investment Strategies

Easily compare different SIP amounts and tenures to optimize your wealth creation strategy.

6. Goal-Based Planning

Work backwards from your financial goals to determine the right monthly investment amount.

7. No Cost

Use our professional-grade calculator completely free, as many times as you want.

8. Visual Breakdown

Clear charts and graphs help you understand where your money goes and how it grows.