SIP Calculator
Calculate returns on your SIP (Systematic Investment Plan) investments. Find corpus, wealth gained, and total invested amount.
About this calculator
A SIP (systematic investment plan) puts a fixed amount into a mutual fund every month. This SIP calculator estimates what that habit could grow into at an assumed annual return, and shows how much of the final value is your own money and how much is growth.
Because returns on market-linked funds are not guaranteed, treat the result as a planning estimate. Trying a few different return rates, such as 8%, 10% and 12%, gives a realistic range instead of a single hopeful number.
How to use it
- Enter the monthly investment you can commit to.
- Enter the expected annual return. Long-term equity fund assumptions of 10% to 12% are common, but they are not promises.
- Enter the time period in years.
- Read invested amount, estimated gains and the maturity value. Change one input at a time to see its effect.
The SIP formula
This calculator assumes each instalment is invested at the start of the month and the return compounds monthly:
FV = P × [((1 + i)n − 1) / i] × (1 + i)
P is the monthly amount, i is the annual return divided by 12 and 100, and n is the number of months.
Worked example
₹10,000 a month for 10 years at 12% p.a.
| Item | Amount |
|---|---|
| Total invested (10,000 × 120) | ₹12,00,000 |
| Estimated maturity value | ₹23,23,391 |
| Estimated gains | ₹11,23,391 |
Tips and common mistakes
- Starting early matters more than investing more later. Time does most of the work in the final years.
- Increase your SIP by 5% to 10% every year as income grows. A step-up makes a large difference over 15 to 20 years.
- Past returns do not guarantee future returns. Do not plan a fixed goal around the best case.
- Returns here are before tax and fund expenses. Capital gains tax rules apply when you redeem units.
Frequently asked questions
Is SIP return guaranteed?
No. SIPs invest in market-linked funds, so returns vary. The calculator uses an assumed rate to show what is possible, not what will happen.
What rate of return should I assume?
For long-term equity funds many planners test 10% to 12%. For debt funds a lower figure such as 6% to 8% is more typical. Run several scenarios rather than relying on one.
What is the difference between SIP and lump sum?
A SIP spreads your money over many months, which averages out your purchase price. A lump sum invests everything at once. Which does better depends on market direction during the period.
Can I stop or pause a SIP?
Yes. Most mutual fund SIPs can be paused or stopped at any time without a penalty, though some funds have an exit load if you redeem units within a short period.
How is the SIP maturity amount calculated here?
The calculator assumes instalments at the start of each month with monthly compounding. A fund house's actual figure depends on the NAV on each purchase date, so it will differ.
Does the result include tax?
No. The figure is before tax and before the fund's expense ratio. Equity and debt fund gains are taxed under different rules, so check current tax law before planning.