SIP Return Calculator
Plan your mutual fund investments and project future wealth.
Advanced (Optional)
Total Value
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Total Invested
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Est. Returns
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Inflation Adjusted Value (Purchasing Power)
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Wealth Gain
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Absolute Return
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CAGR
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Avg Monthly SIP
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Investment Growth Over Time
Year-by-Year Breakdown
| Year | Monthly SIP | Deposited in Year | Cumulative Invested | Portfolio Value | % Returns |
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What is the SIP Calculator?
The SIP Calculator is a free online tool that helps you estimate the returns on your Systematic Investment Plan (SIP) in mutual funds. SIP is one of the most popular and disciplined approaches to investing in India — it involves contributing a fixed amount every month into a chosen mutual fund scheme. Over time, the compounding effect and rupee cost averaging work together to build substantial wealth. Our calculator shows your total invested amount, estimated maturity value, and total wealth gain based on your monthly investment, expected annual return rate, and investment tenure. It also supports Step-Up SIP (annual increment) and inflation adjustment to give you a realistic picture of your future purchasing power, making it a comprehensive planning tool for long-term financial goals.
How to Use the SIP Calculator
- 1. Enter your monthly SIP amount — the fixed sum you plan to invest each month.
- 2. Enter the expected annual return rate (use 10-12% for equity funds as a conservative estimate).
- 3. Set the investment tenure in years.
- 4. Optionally, enter a Step-Up percentage (annual SIP increment) and an inflation rate for adjusted returns.
- 5. View the maturity amount, total invested, and estimated wealth gain in the results panel.
Formula Used
Where M = Maturity amount, P = Monthly SIP investment, r = Monthly return rate (annual rate ÷ 12 ÷ 100), and n = Total number of months. The formula calculates the future value of a series of equal monthly investments compounded at the given rate.
Practical Example
Invest ₹5,000 per month in an equity mutual fund SIP at an expected annual return of 12% for 10 years. Monthly rate r = 12 / 12 / 100 = 0.01. n = 120 months. M = 5000 × [((1.01)^120 - 1) / 0.01] × 1.01 ≈ ₹11,61,695. Total invested = ₹5,000 × 120 = ₹6,00,000. Wealth gain = ₹11,61,695 - ₹6,00,000 = ₹5,61,695. This shows how compounding nearly doubles your invested amount over 10 years.
Why Use Our SIP Calculator?
- • Supports Step-Up SIP with annual increment percentage for more realistic long-term projections.
- • Inflation adjustment shows the real (purchasing-power-adjusted) value of your maturity amount.
- • Year-by-year growth table lets you see how your wealth builds up over each year of investment.
- • Free, no registration needed, and fully responsive for mobile and tablet devices.
Frequently Asked Questions
What is SIP investing?
SIP (Systematic Investment Plan) is a method of investing a fixed monthly amount into a mutual fund scheme. It leverages the power of compounding and rupee cost averaging — buying more units when markets are low and fewer when markets are high — to build long-term wealth systematically without worrying about market timing.
What is a good return rate to assume for SIP?
Equity mutual fund SIPs in India have historically returned 12-15% annually over long periods (10+ years). For conservative planning, use 10-12% for equity SIPs and 6-8% for debt fund SIPs. Remember that mutual fund returns are not guaranteed and past performance does not predict future results.
How is SIP different from lumpsum investment?
SIP spreads your investment across many months, averaging out your purchase cost (rupee cost averaging). Lumpsum invests the entire amount at once, requiring good market timing. SIP is generally recommended for most retail investors as it reduces timing risk and builds investing discipline through regular contributions.
Can SIP returns be guaranteed?
No. SIP returns depend on market performance and are not guaranteed. Equity SIPs carry higher risk but offer potentially higher long-term returns. Only bank Recurring Deposits (RDs) offer guaranteed returns. Invest based on your risk profile, financial goals, and investment horizon. Consult a SEBI-registered financial advisor for personalised advice.