SIP Calculator
Estimate what your monthly mutual-fund SIP could grow to. Adjust the amount, expected return, and period — the results update instantly.
₹10,000
Estimated value after 10 years
₹23.23 L
How this SIP calculator works
A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund every month. Because each instalment starts compounding from its own date, the final value depends on three things: how much you invest monthly, the return your fund earns, and how long you stay invested. The calculator uses the standard future-value-of-annuity formula with monthly compounding — the same method fund houses and AMFI calculators use.
The longer the period, the more the “Est. returns” portion of the bar grows relative to what you put in — that is compounding doing the work. A ₹10,000 monthly SIP at 12% becomes roughly ₹23 lakh in 10 years but about ₹1 crore in 20 years, even though you only invested ₹24 lakh.
Frequently asked questions
How is SIP return calculated?
SIP maturity value uses the future-value-of-annuity formula: FV = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly investment, i is the monthly rate (annual return ÷ 12), and n is the total number of instalments. Each instalment compounds from its own date.
What return should I assume for equity mutual funds?
Over long periods, diversified Indian equity funds have historically delivered around 10–14% annually, but returns are not guaranteed and vary widely by fund and period. Many planners use 12% for long-term estimates and 10% to be conservative.
Is SIP better than a lump-sum investment?
SIPs spread your purchases across market ups and downs (rupee-cost averaging) and suit monthly incomes. A lump sum can do better in steadily rising markets. For most salaried investors, SIPs are the practical default.
Are SIP returns taxable?
Yes. Equity fund gains held over 12 months are long-term capital gains, taxed at 12.5% above ₹1.25 lakh per year; shorter holdings are taxed at 20%. Each SIP instalment has its own holding period.
This calculator is for education only and is not investment advice. Mutual fund investments are subject to market risks — read all scheme documents carefully.