SIP Calculator
A Systematic Investment Plan puts a fixed amount into a fund every month. Enter your numbers to see roughly what it could grow to. Nothing is stored, and there's nothing to sign up for.
An estimate only — actual returns vary and aren't guaranteed. Not investment advice.
See how your actual contributions compare to this plan every month, and whether you're ahead or behind. GintiFlow doesn't predict markets — it tracks what you've really put in and saved.
How it works
Each month you invest the same amount. That instalment then earns a return for every month it stays invested, and so does every instalment before it — so the earliest money you put in does the most work. The calculator adds all of that up using the standard SIP future-value formula (annuity-due, since each month's instalment is assumed invested at the start of the month). A 0% return skips compounding entirely and just adds up what you've put in.
An example
₹10,000 a month for 10 years at an assumed 12% a year. You put in ₹12,00,000 over the decade. At that return the estimated value is about ₹23,23,000 — roughly ₹11,23,000 of that is growth, the rest is your own contributions.
Common questions
What is a SIP?
A Systematic Investment Plan is a way of investing a fixed amount into a mutual fund at a regular interval, usually monthly. Instead of trying to time the market you invest the same amount every month and let compounding work over years.
What return rate should I use?
It depends where the money goes. Equity funds have historically done roughly 10–12% over long periods; debt funds less. The number you type is an assumption — try a few to see the range.
Is the calculated amount guaranteed?
No. Market returns vary year to year and can be negative. This is a planning estimate, not a promise. GintiFlow is not a broker and sells no fund.