Invested amount₹0Principal invested
SIP Calculator India — Calculate Mutual Fund SIP Returns
Estimate maturity value, total investment, and wealth gained from monthly SIP
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SIP Calculator
Max ₹5 lakh
₹
Five Thousand%
Yr
Adjust the inputs above to see your results here.
Est. returns₹0Returns generated
Estimated
Total value₹0Estimated final valueInvestment Summary
Updated instantly as you change values.
Investment Breakdown
Invested amount
₹00%
Est. returns
₹00%
Key Insights
Year-wise growth breakdown
| Year | Principal (A) | Interest (B) | Total (A + B) | Balance |
|---|
About this calculator
In-depth guide for the SIP calculator — formulas, examples, and official sources for India.
Introduction
SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. It helps build wealth gradually through disciplined investing.
What this calculator does
Estimate mutual fund SIP returns based on monthly investment. This tool assumes a constant annual return and monthly compounding. Actual mutual fund returns vary with market performance, so treat the output as an estimate.
Who should use this calculator
Borrowers, investors, and taxpayers planning loans, returns, or tax in India. Use this tool if you want a clear estimate before speaking with a bank, post office branch, or tax advisor.
- Monthly SIP: ₹5,000 | Return: 12% | Period: 10 years → Maturity ≈ ₹11.6 lakh
- Monthly SIP: ₹10,000 | Return: 10% | Period: 15 years → Maturity ≈ ₹41.8 lakh
Formula used
Formula
FV = P × [((1 + r)^n − 1) / r] × (1 + r)Variable explanation
- Input: Monthly investment (₹)
- SIP amount debited each month.
- Input: Expected return (% p.a.)
- Assumed annual CAGR for illustration.
- Input: Investment period (years)
- Number of years you plan to invest.
- Output: Maturity value (₹)
- Estimated corpus at end of period.
- Output: Amount invested (₹)
- Total contributions.
- Output: Wealth gained (₹)
- Maturity minus total invested.
Example calculation
- Step 1
Enter monthly SIP amount (minimum often ₹500 in most funds).
- Step 2
Set expected annual return — 10–12% is common for long-term equity illustration.
- Step 3
Choose investment horizon in years.
- Final answer
Read maturity value, total invested, and wealth gained.
How to use
Locate the calculator form at the top of this page.
Enter your values using the units shown (₹, %, years, or as labelled).
Review the instant result, charts, or schedules in the output panel.
Adjust inputs to compare scenarios before making a financial decision.
Benefits
Free to use with instant browser-based results — no signup.
Built for Indian rates, tax years, and units.
Includes worked examples and FAQs on every page.
Limitations
Constant monthly investment on the first of each month.
Fixed annual return with monthly compounding — actual market returns vary.
No exit load, STCG/LTCG tax, or expense ratio deducted.
Debt fund SIPs have lower volatility and lower expected returns — adjust the rate accordingly.
Lump-sum and SIP combinations are not modelled separately.
Tips
Start early — 10 extra years of compounding often matters more than a slightly higher monthly amount.
Increase SIP by 10% each year (step-up) in real life for faster corpus growth.
Use conservative return assumptions (8–10%) for planning; treat 12%+ as optimistic.
Common mistakes
Assuming past fund returns will repeat exactly.
Ignoring tax on equity LTCG above ₹1.25 lakh per year (as per current rules).
Stopping SIP during market dips — rupee cost averaging works over full cycles.
Frequently asked questions
What return rate should I use?
Many long-term equity SIP plans use 10–12% for illustration, but past performance does not guarantee future returns.
Does this include taxes or exit load?
No. This calculator shows gross estimated returns before taxes, fees, or exit load.
What is the minimum SIP amount?
Most mutual funds allow SIP from ₹500/month. Some index funds start at ₹100.
SIP vs lump sum — which is better?
SIP reduces timing risk through rupee cost averaging. Lump sum may outperform in rising markets. This tool models SIP only.
How does step-up SIP work?
You increase the monthly amount annually. This calculator uses a fixed monthly amount — manually rerun with higher amounts to simulate step-up.
Are SIP returns guaranteed?
No. Mutual fund investments are subject to market risk. Returns shown are hypothetical.
Which date is best for SIP?
Date does not materially affect long-term results. Consistency matters more than the debit day.
Related guides
Government references
- SEBI mutual fund regulations
- Standard SIP future value formula
Conclusion
Use this SIP calculator to visualise long-term mutual fund wealth creation in India. Treat the output as a planning estimate and review fund performance, expense ratio, and tax rules before investing.