Compound Interest & SIP Calculator
See how a lump sum plus monthly SIP contributions grows over time with compound interest. Adjust the rate, tenure, and contributions to model any savings goal.
Future value
₹2,63,043
Total invested
₹1,30,000
Interest earned
₹1,33,043
How SIP compounding works
Each monthly contribution starts earning interest immediately and keeps compounding. Over 10 years you make 120 contributions, and interest is paid on interest — which is why the interest figure grows much faster than linear savings.
Starting early beats saving more
Investing ₹5,000/month for 10 years at 12% grows to about ₹11.6 lakh — of which only ₹6 lakh is your own money. Waiting 5 years to double the amount gives a similar result but a far shorter runway.
Frequently asked questions
What is the rule of 72?
Divide 72 by your annual return to estimate how many years it takes to double your money. At 12%, your corpus doubles roughly every 6 years: 72 ÷ 12 = 6.
Should I set monthly or quarterly compounding?
This calculator compounds monthly, which matches SIPs and most bank savings products. More frequent compounding earns marginally more for the same annual rate.
Does SIP guarantee returns?
No. Mutual fund SIPs carry market risk and returns vary. Use this tool to estimate growth at a target rate, not as a promise of returns.
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