Monthly SIP Calculator
Find out exactly how your regular monthly contributions can grow into a massive corpus. Apply the legendary 15×15×15 mutual fund rule to your own savings.
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Formula Used
FV = P × [(1+r)ⁿ − 1] / r × (1+r)
P = monthly amount, r = monthly rate, n = months
Estimates based on standard SIP formula. Returns not guaranteed.
Updated: March 2026
Total Invested
₹27.00L
Est. Wealth Gained
₹48.69L
Total Future Value
₹75.69L
Year-Wise Breakdown
| Year | Invested (₹) | Returns (₹) | Balance (₹) |
|---|---|---|---|
| 1 | ₹1,80,000 | ₹12,140 | ₹1,92,140 |
| 2 | ₹3,60,000 | ₹48,648 | ₹4,08,648 |
| 3 | ₹5,40,000 | ₹1,12,615 | ₹6,52,615 |
| 4 | ₹7,20,000 | ₹2,07,523 | ₹9,27,523 |
| 5 | ₹9,00,000 | ₹3,37,295 | ₹12,37,295 |
| 6 | ₹10,80,000 | ₹5,06,355 | ₹15,86,355 |
| 7 | ₹12,60,000 | ₹7,19,685 | ₹19,79,685 |
| 8 | ₹14,40,000 | ₹9,82,898 | ₹24,22,898 |
| 9 | ₹16,20,000 | ₹13,02,323 | ₹29,22,323 |
| 10 | ₹18,00,000 | ₹16,85,086 | ₹34,85,086 |
| 11 | ₹19,80,000 | ₹21,39,222 | ₹41,19,222 |
| 12 | ₹21,60,000 | ₹26,73,783 | ₹48,33,783 |
| 13 | ₹23,40,000 | ₹32,98,967 | ₹56,38,967 |
| 14 | ₹25,20,000 | ₹40,26,269 | ₹65,46,269 |
| 15 | ₹27,00,000 | ₹48,68,640 | ₹75,68,640 |
Mastering Your Monthly SIP: A 2026 Financial Strategy
Knowing the exact future value of your monthly SIP empowers better financial planning. Whether saving for a home down payment, your child's education, or retirement — calculating backwards from a goal corpus helps you set the right monthly amount today.
The "Cost of Delay" Analysis
The single biggest enemy of wealth creation isn't low returns—it's **procrastination**. If you intend to invest for 20 years, delaying your start by just **2 years** can reduce your final corpus by up to **25-30%**. This is because the most aggressive compounding happens in the "tail end" of your investment period.
The 24-Month Penalty (Target: 20 Yrs @ 12%)
₹10,000
Starting Today
₹1 Crore
₹10,000
Starting in 2028
₹76 Lakhs
The 15×15×15 Rule: The Holy Grail of Investing
A famous rule of thumb in mutual fund investing states: invest ₹15,000/month for 15 years at an expected return of 15% per annum, and you will create a corpus of approximately ₹1 Crore.
₹15K
Invest
15Y
Wait
15%
Earn
SIP vs. Recurrent Deposit (RD): The 2026 Gap
Many conservative investors still prefer bank RDs. However, the tax and return gap has widened. While RDs offer fixed 7% returns (taxable at slab), even a low-risk **Conservative Hybrid Fund** can aim for 9-10% with equity-level taxation benefits for holdings over 1 year.
Smart Monthly SIP Benchmarks for 2026
Ready to Turbocharge Your Wealth?
A regular SIP is great, but a Step-Up SIP is better. Increase your investment by 10% annually to reach your goals years earlier.
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Founder, HelpForFinance · Search & Finance Expert
Gaurav helps retail investors navigate the complexities of mutual funds and taxation. With a background in search technology and lending, he builds tools that empower financial freedom through data.