How is SIP maturity calculated?

SIP maturity is calculated using the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months (years × 12).

What is a good monthly SIP amount?

A good starting SIP amount is 20% of your post-tax monthly income. Use SIPfy's SIP Goal Planner to find the exact monthly SIP needed to reach any target corpus by your goal year.

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SIP Strategy

SIP Delay Cost Calculator — what 5 years of waiting really costs you

A five-year delay on a ₹10,000 monthly SIP at 12% over 25 years costs approximately ₹91 lakh in future wealth. See the exact cost of delay for your specific SIP amount, return rate, and tenure.

Calculator Inputs

Monthly SIP

₹

₹500₹200,000

Expected annual return

125%

Total SIP tenure

540%

Delay in starting

015%

💡 Tip: Use the sliders for quick adjustments, or type exact numbers in the input fields for precise calculations.

Result 1

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Result 2
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Result 3

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Visualization

Year-by-Year Breakdown

The cost of delaying your SIP

The brutal math

A ₹10,000 monthly SIP at 12% for 25 years accumulates approximately ₹1.9 crore. Delay the start by just 5 years, and the corpus drops to approximately ₹99 lakh — a cost of ₹91 lakh in future wealth.

Why starting early beats starting big

Investor A starts ₹10,000/month at 25 for 20 years = ₹99 lakh. Investor B waits until 30, invests ₹15,000/month for 15 years = ₹75 lakh. Investor B invested more but ended up with less.

The takeaway

Every year of delay costs you more than the skipped investment — it costs you the compounding on that investment for decades. Start today.

The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.

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