The SIP calculator that tells you the truth
Every calculator draws the smooth line. Markets don't move in smooth lines. Project your wealth year by year, flip to the inflation-honest view — then drop a real 2008 or 2020 crash into your journey and see what panic actually costs.
Quick start
Future rupees, no inflation discount.
You invest
₹18.0 L
Est. returns
₹32.5 L
Total value
₹50.5 L
Returns share
64.3%
Opens WhatsApp — send this plan to friends & family.
Wealth growth
Year-by-year projection
What every other calculator hides
A 15-year SIP will meet at least one big crash. The smooth chart above assumes you keep investing through it. Here's the same plan with a real crash dropped into year 5 — and what each reaction costs. Same money invested, only the behavior differs.
Sensex fell 38% in 8 weeks, back at highs in ~9 months. Recovery rejoins the long-term trend — as Indian markets have after every crash so far.
crash
Panicked, sold at the bottom
₹25.5 L
Moved everything to a 6% FD and never came back
Froze — paused the SIP
₹45.0 L
Stayed invested but stopped buying till full recovery
Kept the SIP going
₹48.2 L
Every crash month bought units at a discount
Panic costs ₹22.8 L — 47% of your final corpus. The crash was temporary. The exit is permanent.
This crash was simulated. Want to live through a real one, month by month, with real NAVs? Replay it in the Wealth Time Machine →
Same money, elsewhere
This plan
₹50.5 L
In a 6% FD
₹29.2 L
In PPF (7.1%)
₹32.2 L
If parked at par with inflation
₹43.1 L
Total value
₹50.5 L
Invested
₹18.0 L
How this SIP calculator works
A SIP (Systematic Investment Plan) invests a fixed amount into a mutual fund every month. Each instalment compounds monthly, so the projection uses the standard formula: M × [((1 + i)ⁿ − 1) / i] × (1 + i), where M is the monthly amount, i the monthly rate and n the total months.
Unlike most calculators, we don't stop at the final number. You get the year-by-year path, wealth milestones (first ₹10 L, ₹50 L, ₹1 Cr), a comparison against FD and PPF for the same money, and a Real (after inflation) toggle — because ₹1 crore twenty years from now buys roughly what ₹31 lakh buys today at 6% inflation.
Why we built the Crash Test
Every SIP calculator draws a smooth curve. No real journey looks like that. A 15-year SIP that started in 2007 lived through the Lehman crash, the 2011 Euro crisis, and Covid — and still won, but only for investors who kept investing.
The Crash Test drops a real crash profile into your plan and prices the three most common reactions: panic-selling at the bottom, freezing the SIP, or continuing to buy. The gap between them — often lakhs of rupees — is the single most important number in SIP investing, and no smooth curve will ever show it to you.
Frequently asked questions
How is SIP return calculated?+
SIP returns compound monthly: M × [((1 + i)^n − 1) / i] × (1 + i), where M is your monthly investment, i is the monthly rate (annual rate ÷ 12) and n is the number of months. This calculator applies the same formula and also shows the year-by-year path, not just the final number.
Is 12% a realistic return for SIP in mutual funds?+
Over 10+ year periods, diversified Indian equity funds have historically delivered roughly 10–14% annualised, but with deep drawdowns along the way. Use the Expected Return slider to test your own assumption, and flip to the Real (after inflation) view for the honest purchasing-power number.
What is the Crash Test in this calculator?+
It injects a real historical crash profile — 2008 Lehman (−52%), 2011 Euro crisis (−25%) or 2020 Covid (−38%) — into your plan, then compares three investors who put in the same money: one who panic-sold at the bottom, one who paused their SIP, and one who kept investing. No other SIP calculator shows this.
What happens to my SIP during a market crash?+
Each instalment buys more units when prices fall — this is rupee-cost averaging. The Crash Test shows that continuing your SIP through a crash typically ends far ahead of panic-selling, because the cheap units bought at the bottom drive the recovery gains.
Should I stop my SIP when the market falls?+
Historically that has been the most expensive mistake in SIP investing. Run the Crash Test above: panic-selling in a 2008-style crash can cost a large share of your final corpus, while the investor who kept the SIP going comes out ahead. The crash is temporary; the exit is permanent.
What is a step-up SIP and does it beat a normal SIP?+
A step-up SIP increases your monthly amount every year — usually 5–15%, matching salary growth. Because larger contributions come in later years and still compound, a 10% annual step-up can add 40–60% to your final corpus over 20 years. Use the Step-up SIP tab to model it.
Is SIP better than a fixed deposit?+
They solve different problems. An FD gives guaranteed ~6% but barely beats inflation after tax. The "Same money, elsewhere" strip in this calculator shows your SIP plan against an FD and PPF side by side, so you can see the gap for your own numbers instead of a generic claim.