Core
Mutual Funds
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Home › Calculators › SIP Calculator
A SIP puts a fixed amount into a Mutual Fund scheme every month, whatever the market is doing. Move the sliders below to see what your monthly amount could add up to, and how much of that comes from your own contributions rather than growth.
Your SIP instalment is invested at the start of each month and stays invested for the full period. Returns are compounded monthly at the rate you set. The rate you choose is your own assumption, not a rate offered by any scheme.
after 15 years
Illustration only, based on the assumptions you enter. Not a projection or guarantee of returns. Does not account for taxes, exit loads or expenses.
| Year | Invested this year | Total invested | Estimated growth | Value at year end |
|---|
Send us these numbers and we will help you shortlist schemes that match the period and the risk you are comfortable with. No charge for the first conversation, and no obligation to invest.
A SIP, or Systematic Investment Plan, is an instruction to invest a fixed amount into a Mutual Fund scheme on a fixed date every month. Because the amount stays the same while the NAV moves, you end up buying more units when the market falls and fewer when it rises. That averaging is the reason SIPs suit people who earn monthly and cannot time the market.
The calculator treats every instalment as a separate investment that compounds until the end of the period. An instalment paid in month one compounds for the entire term; one paid in the final month barely compounds at all. This is why the growth portion of the donut starts small and takes years to overtake your contributions.
The standard future value formula for a SIP with contributions at the start of each month is:
FV = P × [ ((1 + i)n − 1) ÷ i ] × (1 + i)
Here P is your monthly instalment, i is the monthly rate — your annual expected return divided by twelve — and n is the total number of instalments. The trailing (1 + i) accounts for money going in at the start of the month rather than the end.
The rate is the input people get wrong. It is an assumption you are making, not a rate anyone has promised you. Equity as an asset class has historically delivered double-digit returns over long periods in India, but with years of sharp falls in between. Debt behaves very differently. If you are unsure what to enter, run the calculator twice — once at a rate you would be pleased with and once at a rate you would find disappointing — and check that you can live with the lower figure.
If you plan to raise your SIP each year as income grows, the Step-up SIP Calculator models that instead. If you are working backwards from a specific goal, use the Goal Planner.
Nidhish Investments, founded by Nimesh Vala, is an AMFI-registered Mutual Fund Distributor and an APMI-registered PMS Distributor working with families across Gujarat. We distribute three categories of SEBI-regulated products, and the right one depends on the capital you are working with and the risk you can carry.
Core
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Newer category
A SEBI category positioned between Mutual Funds and PMS. SIF strategies have wider freedom in how they are run, including the use of derivatives, and carry higher risk than conventional Mutual Funds.
Minimum ₹10 lakh
About SIF →Larger portfolios
Securities are held in your own demat account and managed on your behalf by a SEBI-registered portfolio manager, against a defined strategy rather than a pooled scheme.
Minimum ₹50 lakh
About PMS →No. Mutual Funds do not offer assured returns. The figure shown is arithmetic applied to the rate you typed in — if you enter 12%, the calculator shows what 12% would produce. Actual returns depend on the scheme, the market and your holding period, and can be lower or higher.
Most schemes accept a SIP from ₹500 a month, and some allow ₹100. The minimum is set by each Asset Management Company and varies between schemes.
Yes. A SIP is not a lock-in. You can pause it, change the amount, or stop it entirely by giving instructions to the AMC or through us, usually with a few working days of notice. Units already bought stay invested until you redeem them. Note that ELSS schemes lock each instalment for three years from its own date of investment.
They answer different situations. A SIP suits money that arrives monthly from salary or business income. A lumpsum suits money you already hold, though it exposes the whole amount to the market on a single day. Many investors use both. The Lumpsum Calculator works out the second case.
It makes more difference than the amount does. Set the calculator to 10 years and note the growth figure, then change only the period to 20 years. The invested amount doubles, but the growth portion rises far more, because the early instalments have had another decade to compound.
Send us your figures on WhatsApp or call +91 99248 88821. We will discuss what the money is for and how long it can stay invested, help you complete KYC if you have not done it before, and take you through scheme options. There is no charge for the conversation.
Statutory disclosures and risk disclaimer
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Nidhish Investments is an AMFI-registered Mutual Fund Distributor holding ARN-364347, and an APMI-registered Portfolio Management Services Distributor holding APRN-10163. We act solely as a distributor of investment products. We are not registered with SEBI as an Investment Adviser and do not provide investment advice, financial planning or portfolio management services.
This calculator is provided for illustration only. It uses the assumptions you enter and does not constitute a projection or guarantee of returns. It does not account for taxes, exit loads, expenses or changes in regulation. Past performance of any scheme, strategy or portfolio manager is not indicative of future results, and no returns are assured or guaranteed.
As a distributor, Nidhish Investments receives commission or brokerage from Asset Management Companies and portfolio managers on investments made through us. Details of commission earned on any product will be disclosed to you on request. Investors are advised to consult their own tax and legal professionals before investing. Registration status can be independently verified on the AMFI and APMI websites.