SIP Calculator — Calculate Your Mutual Fund Returns Instantly
Plan your wealth journey. Enter your monthly investment, expected return rate, and time period to see how your SIP grows over time.
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Calculator Inputs
₹500₹5 L
1% p.a.30% p.a.
1 Yr40 Yrs
Total Value
Invested
Est. Returns
Invested Amount
₹6.00 L
Est. Returns
₹5.62 L
Total Value
₹11.62 L
▲6.83% CAGR
How to Use This SIP Calculator
1
Enter Monthly Investment
Set the amount you plan to invest every month via SIP. Even ₹500/month can grow significantly over time.
2
Set Expected Return Rate
Enter the expected annual return. Equity mutual funds have historically returned 10–14% p.a. over long periods.
3
Choose Time Period
Select how many years you plan to stay invested. SIP works best with a long horizon of 10+ years.
4
View Results Instantly
See your invested amount, estimated returns, total corpus, and CAGR — updated in real time as you adjust sliders.
SIP Calculation Formula
Future Value =
M × [((1 + r)ⁿ – 1) / r] × (1 + r)
where M = Monthly SIP · r = Monthly Rate (Annual ÷ 12 ÷ 100) · n = Total Months
Example: A ₹5,000/month SIP at 12% p.a. for 10 years — Monthly rate r = 12/12/100 = 0.01, n = 120 months — gives a total value of approximately ₹11.6 lakhs on an investment of ₹6 lakhs.
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Year-by-Year SIP Growth Table
Based on ₹5,000/month at 12% p.a. for 10 years
Year
Invested Amount
Estimated Returns
Total Value
1
₹60,000
₹4,047
₹64,047
2
₹120,000
₹16,216
₹136,216
3
₹180,000
₹37,538
₹217,538
4
₹240,000
₹69,174
₹309,174
5
₹300,000
₹112,432
₹412,432
6
₹360,000
₹168,785
₹528,785
7
₹420,000
₹239,895
₹659,895
8
₹480,000
₹327,633
₹807,633
9
₹540,000
₹434,108
₹974,108
10
₹600,000
₹561,695
₹1,161,695
Frequently Asked Questions
The SIP calculation formula is: M × [((1 + r)^n – 1) / r] × (1 + r), where M is the monthly investment, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the total number of months.
A ₹5,000/month SIP for 10 years at 12% p.a. grows to approximately ₹11.6 lakhs. Your total investment is ₹6 lakhs, generating ~₹5.6 lakhs in estimated returns.
Yes, 12% p.a. is a widely used benchmark for long-term equity mutual fund SIPs in India. Nifty 50 has historically delivered 12–14% CAGR over 15+ year periods, though past returns don't guarantee future performance.
Yes. Many mutual funds allow SIP with a minimum of ₹100–₹500 per month. Starting small and staying consistent is more important than the amount.
No. This calculator shows pre-tax estimated returns. Equity mutual fund gains held for more than 1 year are subject to LTCG tax at 12.5% above ₹1.25 lakh per year.
SIP invests a fixed amount every month, spreading the risk through rupee cost averaging. Lumpsum means investing a one-time large amount. SIP is ideal for salaried investors; lumpsum works well when markets are low.
SIP calculators use the standard mathematical formula and are accurate for the inputs given. The actual returns will vary since mutual fund returns fluctuate with market conditions.