What is a SIP Calculator with Graph?
A SIP calculator with graph — or Systematic Investment Plan calculator — helps you estimate the future value of your monthly mutual fund investments using compound interest. Our SIP calculator with graph goes further by showing you a visual chart of how your wealth grows year by year, making it easy to see the power of compounding visually.
This free SIP money calculator uses the standard SIP future value formula: FV = P × [(1 + r)ⁿ − 1] / r × (1 + r), where P is the monthly investment, r is the monthly return rate, and n is the total number of months.
Whether you're planning monthly SIPs in equity funds, debt funds, or hybrid funds — this calculator gives you an instant picture of your long-term wealth creation potential.
SIP Calculator Examples — Monthly SIP Returns
Here's what different monthly SIP amounts grow to at 12% annual returns over 20 years:
₹2,000/month
→ ₹20.0 lakh in 20 years
Invested: ₹4.8 lakh | Returns: ₹15.2 lakh
₹5,000/month
→ ₹50.0 lakh in 20 years
Invested: ₹12 lakh | Returns: ₹38.0 lakh
₹10,000/month
→ ₹99.9 lakh in 20 years
Invested: ₹24 lakh | Returns: ₹75.9 lakh
₹25,000/month
→ ₹2.50 crore in 20 years
Invested: ₹60 lakh | Returns: ₹1.90 crore
How to Use This SIP Calculator
1
Enter your monthly SIP investment amount in rupees — minimum ₹500 for most mutual funds.
2
Enter the expected annual return rate — equity mutual funds have historically returned 10–14% annually over long periods.
3
Enter the number of years you plan to invest — the longer the better for compounding.
4
See your total corpus, invested amount, returns earned and a visual wealth growth graph instantly on the right.
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Frequently Asked Questions
What is a SIP calculator with graph?
A SIP calculator with graph shows not just the final corpus but a year-by-year visual chart of how your invested amount and total value grow over time. The graph makes it easy to see exactly when compounding starts accelerating your wealth — typically after year 7–10 of consistent investing.
How does this SIP money calculator work?
This SIP money calculator uses the standard future value formula: FV = P × [(1 + r)ⁿ − 1] / r × (1 + r), where P = monthly SIP amount, r = monthly return rate (annual rate ÷ 12 ÷ 100), and n = total months.
What is a good monthly SIP amount?
There's no single right number — it depends on your goals, income and other savings. Many planners suggest saving at least 20% of take-home pay across all investments. As an illustration at an assumed 12% a year, ₹5,000 a month grows to about ₹50 lakh in 20 years, ₹1.76 crore in 30 years and ₹3.25 crore in 35 years. Actual returns will differ.
Is there a 50 percent rule for SIP?
There isn't an official "50% rule" for SIPs. People sometimes mean the 50-30-20 budgeting rule (50% needs, 30% wants, 20% savings), or stepping up a SIP as income grows. Increasing your SIP by a fixed percentage each year can make a big difference to the final amount — try a higher monthly amount above to see the effect.
What is CAGR in SIP?
CAGR (Compound Annual Growth Rate) is the average yearly growth rate of an investment. For SIPs, where money goes in every month, the more accurate measure is XIRR, which accounts for each instalment's date. For planning, enter a conservative expected annual return; a fund's past CAGR is not a promise of future returns.
What return rate should I use in the SIP calculator?
Use a conservative assumption and test a range — for example 8%, 10% and 12% for equity funds and lower rates for debt funds — so you see a realistic spread of outcomes. Mutual fund investments are subject to market risks, and past returns don't guarantee future returns.
Is SIP in mutual funds safe?
A SIP is just a way of investing; the risk comes from the fund. Equity funds can fall sharply in the short term and returns are not guaranteed. Investing regularly over long periods reduces the impact of market timing, but it doesn't remove risk. Match the fund to your goal and time horizon.
What is the minimum monthly SIP amount?
Most mutual funds allow SIP starting from ₹500 per month. Some direct plans allow as low as ₹100/month. There is no maximum limit on SIP investment.
What returns have mutual fund SIPs given?
Returns vary by fund category, time period and market conditions, so there's no fixed "current rate". Check a fund's historical returns on its factsheet or AMFI data, but use a conservative figure in the calculator. Equity funds have historically been more volatile than debt funds, with higher long-term growth potential.
How do I calculate monthly SIP returns for a mutual fund?
Monthly SIP returns are calculated using: FV = P × [(1 + r)ⁿ − 1] / r × (1 + r), where P = monthly SIP amount, r = monthly return rate (annual rate ÷ 12 ÷ 100), n = total months invested. This calculator applies the formula automatically — just enter your monthly SIP amount, expected annual return and investment years.
How do I set up a SIP in a mutual fund?
To set up a SIP in a mutual fund: (1) Complete KYC online via Aadhaar + PAN. (2) Choose a fund category based on your risk profile — equity for long term (7+ years), debt for short term. (3) Select a specific fund on platforms like Zerodha Coin, Groww, Kuvera or directly from the AMC website. (4) Set the SIP amount (minimum ₹500) and monthly date. (5) Link your bank account for auto-debit. Use this calculator first to decide how much to invest based on your wealth creation goal.
What is Franklin Templeton SIP calculator?
Franklin Templeton is a mutual fund AMC (Asset Management Company) operating in India. Their SIP calculator works the same way as this free tool — enter monthly SIP amount, expected return rate and tenure to get the projected corpus. This calculator works for Franklin Templeton funds and all other AMCs including SBI MF, HDFC MF, ICICI Prudential, Axis MF, Mirae Asset and more.
Can I use a SIP calculator for stocks?
Yes — the maths works for any fixed monthly investment, including buying shares every month. Just remember that individual stocks can be much more volatile than a diversified fund, so use a conservative return rate and treat the result as a rough illustration, not a forecast.
What is the difference between SIP and lump sum investment?
A SIP invests a fixed amount every month, spreading your purchases over time (rupee cost averaging). A lump sum invests everything at once. If markets rise steadily, a lump sum can come out ahead because more money is invested for longer; a SIP reduces the risk of investing everything at a bad moment and suits monthly incomes.
Which SIP calculator shows a graph of wealth growth?
This free SIP calculator with graph shows a year-by-year visual chart of your invested amount vs total corpus value — so you can see exactly when compounding starts accelerating. The graph has two lines: a straight line showing your cumulative investment and a curve showing your total wealth — the gap between the two lines is your profit. This visual makes it easy to understand the power of long-term SIP investing at a glance.
How do I read the SIP growth chart?
The SIP growth chart shows two data points for each year: (1) Invested Amount — the total money you have put in so far (straight rising line), and (2) Total Value — what your investment is actually worth including returns (curved line that rises faster). The gap between the two lines represents your wealth creation. The wider the gap, the more compounding is working for you — typically the gap starts widening significantly after year 7–10.
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