RupeeStart Your first monthly SIP

Monthly SIP Calculator

Invested amount
Est. returns
₹ INR - Indian Rupee ▼
₹
%
Yr
Invested amount ₹25,000
Est. returns ₹52,646
Total value ₹77,646

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How to use Monthly SIP Calculator

On RupeeStart (calculator-sip.net), this SIP calculator is built for beginners starting a monthly SIP with small amounts. Monthly SIP basics, rupee-cost averaging, and first-year examples. Beginner-friendly monthly SIP education and examples.

How SIP returns are estimated

A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals—usually monthly—in mutual funds. Returns compound as each installment stays invested.

Future value of a monthly SIP is commonly estimated with: FV = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly investment, i is the monthly expected return, and n is the number of months.

Worked example

Investing ₹10,000 per month for 15 years at an assumed 12% annual return can grow into a multi-lakh corpus; actual market returns vary year to year.

Switch between SIP and lumpsum in the tool to compare disciplined monthly investing versus a one-time investment for the same horizon.

Practical SIP planning tips

Align SIP amount with surplus income you can continue through market ups and downs. Increase the SIP when income rises (or use a Step Up SIP).

Assumed returns are not guarantees. Use conservative rates for goal planning and review asset allocation as goals approach.

Starting a small monthly SIP

Begin with an amount you can continue for at least 12 months without pause—consistency beats an aggressive first month.

After six months of surplus, increase the SIP or switch to a Step Up plan.

Figures on RupeeStart are estimates for education only—not financial, tax, or investment advice. Confirm rates, fees, and terms with your lender or fund house.

Commonly Asked Questions

Monthly SIP allows you to invest a fixed amount every month in your chosen investment scheme. The amount is automatically debited from your bank account on a predetermined date, and units are allocated based on the current NAV. This systematic approach eliminates the need to time the market and builds investment discipline.

The ideal monthly SIP amount depends on your income, expenses, and financial goals. Generally, invest 20-30% of your monthly income in SIPs. Use our calculator to determine the monthly amount needed to achieve your target corpus. Start with what you can afford and increase gradually.

Yes, you can modify your monthly SIP date and amount anytime. Most fund houses allow you to change the investment date, increase/decrease the amount, or pause the SIP through their online portal or by submitting a request. This flexibility helps you adapt to changing financial situations.

If you stop your monthly SIP, your existing investments continue to grow based on market performance. You can redeem your investments anytime (subject to exit loads if applicable). However, stopping early may impact your long-term wealth creation goals. Consider pausing instead of stopping if facing temporary financial constraints.