SIP Calculator

A Systematic Investment Plan (SIP) is how most Indians build wealth in mutual funds — a fixed amount invested every month, regardless of where the market is. The AlarmDaddy SIP Calculator projects what your monthly investment could grow into, based on an expected annual return and the number of years you stay invested. It separates your total contribution from the wealth gained, so you can see exactly how much of the final corpus is your money versus market growth.

Enter your monthly SIP amount, the expected annual return (equity funds have historically delivered 10% to 14% over long periods in India, though returns are never guaranteed), and your investment horizon in years. The calculator uses monthly compounding to estimate the maturity value. The longer the horizon, the more dramatic the compounding effect — a ₹10,000 monthly SIP for 10 years versus 20 years is not double the corpus, it is roughly four times, because the later years compound on a much larger base.

This is a projection tool, not a guarantee. Actual mutual fund returns vary year to year. Use it to set realistic goals and to understand why starting early matters far more than investing large amounts later.