SIP Calculator
See what a regular investment can grow to, then see what the same amount could build in a Gold SIP.
Watch your SIP compound.
Small amounts, compounding over time.
Pick an amount and a rhythm
Choose what you can invest each day, week or month. A SIP works best when the amount is one you will not miss.
Each contribution starts compounding
Every instalment earns returns on top of the earlier ones. The longer the SIP runs, the more of your final value comes from returns rather than your own deposits.
Spread it across assets
Many people keep one SIP for growth and a second, smaller one in gold. Gold moves differently from stocks, which helps balance a portfolio.
Same habit. A different asset.
A Gold SIP works like any SIP: a fixed amount, on autopay. What changes is what your money buys.
Grows with the market you pick
- Return depends on the fund or stock you choose
- Can be higher over long periods
- Minimum often ₹100 to ₹500 a month
- Value can swing sharply with equity markets
Builds 24K gold, a gram at a time
- Starts from ₹10, daily, weekly or monthly
- Pause or cancel anytime, no penalty
- Sell anytime or redeem physical coins, no lock-in
- Moves differently from equity, so it spreads risk
From small steps to a lasting habit.
Planning a shared future
A wedding, a first home, a life being built together. Build the amount quietly over years instead of facing one enormous bill.
A head start for your child
Start small while they are young and let a decade of contributions do the work. Education, a wedding, a first step, ready when they need it.
A balanced portfolio
Run an equity SIP for growth and a small Gold SIP beside it, on the same monthly rhythm, to keep your savings from leaning one way.
SIP calculator questions
A SIP (systematic investment plan) is a way to invest a fixed amount at regular intervals, such as every month, instead of putting in one large sum. Each contribution buys at that day’s price, so your cost averages out over time.
Each contribution is assumed to grow at your expected annual return, compounded for the time it stays invested. The calculator adds those up: the invested amount plus estimated returns gives your total value. The expected return is your assumption, not a promise.
No. The calculator shows an estimate at the return rate you choose. Actual returns from mutual funds, stocks or gold move up and down, and can be negative over any given period.
A Gold SIP is a SIP that buys 24K digital gold instead of units of a fund. You pick an amount and a frequency, and each contribution buys gold at that day’s rate, after 3% GST. It can start from ₹10, has no lock-in, and can be paused or cancelled anytime. Use the Gold SIP calculator to plan one with today’s live price.
Gold behaves differently from equity, so a small Gold SIP beside your main SIP spreads your risk. The comparison on this page uses a ~11% p.a. long-term gold average for illustration. It is not a forecast, and gold prices can fall.
Neither is always better. A lump sum gives all your money more time to grow if you already have it. A SIP suits people investing from monthly income and avoids having to pick one day to buy.
Run your SIP. Add a little gold.
Start a daily, weekly or monthly Gold SIP from ₹10 on UPI autopay. Pause anytime, no lock-in and no making charges.
This calculator is a planning tool. Values use the expected return you enter, compounded each period with every contribution invested at the start of the period. They are estimates, not guaranteed returns, and exclude fund charges, taxes and inflation. The Gold SIP comparison uses a ~11% p.a. long-term gold price average for illustration only; gold prices can fall, and a real Gold SIP buys at the live 24K rate on each date after 3% GST. Consult a professional before deciding.
Plan updated. ₹5,000 every month for 10 years at 12% grows to ₹11,20,179. The same amount in a Gold SIP at 11% grows to ₹10,62,149.