How much will your SIP actually grow? Run the numbers before you invest

SIPs (Systematic Investment Plans) have become the default way Indians invest in mutual funds — and for good reason: you invest a fixed amount every month, you don't have to time the market, and small amounts add up. But most people start a SIP without ever projecting where it actually leads. Knowing the likely outcome is what keeps you invested when the market dips — so let's run the numbers properly.

Why a SIP grows the way it does

Two forces do the work: regular investing and compounding. Each monthly instalment buys units, and the returns on those units themselves earn returns over time. The longer you stay invested, the more the compounding tail dominates — which is why the last few years of a long SIP add far more than the first few. Time in the market, not the size of any single instalment, is the real lever.

Use realistic returns, not dream numbers

It's tempting to assume 15–18% returns because some years deliver that, but for a long-term equity SIP a conservative 10–12% annual estimate is far safer for planning. Here's the shape of it: ₹5,000/month at 12% becomes roughly ₹11.6 lakh in 10 years (you invested ₹6 lakh) and around ₹50 lakh in 20 years (you invested ₹12 lakh). Notice how the gains in the second decade dwarf the first — that's compounding, and it's why starting early beats investing more later.

Project your own SIP (free, no signup)

Plug in your monthly amount, the number of years and an expected return rate, and a SIP calculator will show your projected final corpus, how much you actually invested, and how much is pure growth. Rupix's free SIP calculator at tools.rupix.io/sip-calculator does this instantly in your browser — try a few different monthly amounts and tenures to see how much sooner-and-steadier beats later-and-bigger.

The real secret isn't the calculator — it's consistency

A projection only comes true if you keep funding the SIP every month, in good markets and bad. The people who win are the ones who treat the SIP like a non-negotiable bill and never skip it — so before you start, pick an amount you can sustain for years, not just this month. Use tools.rupix.io/sip-calculator to test a monthly figure you're confident you can keep up, and let the compounding do the rest over time.