SIP Calculator
A systematic investment plan (SIP) invests a fixed amount in a mutual fund every month. Because you buy regularly, you average out market ups and downs, and returns compound over time. This calculator estimates what a SIP could grow to under a return you assume, shows how much you put in against the estimated returns, and gives a year-by-year table. Add an inflation rate to see the corpus in today’s purchasing power. Actual returns will differ — mutual fund investments are subject to market risks — so try conservative and optimistic rates.
How to use the sip calculator
- Enter your monthly SIP amount and the number of years you will invest.
- Enter an expected annual return. For equity funds many people test 10–12%; use lower numbers for cautious planning.
- Optionally add inflation to see the maturity value in today’s money.
- Read the maturity value, amount invested and estimated returns, and scan the yearly table.
Formula
Maturity value = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the monthly rate (annual rate ÷ 12) and n is the number of months. The extra (1 + i) assumes each instalment is invested at the start of the month. Estimated returns = maturity value − total invested.
Worked examples
₹5,000 a month for 10 years at 12%
You invest ₹6,00,000.00 and the SIP could grow to ₹11,61,695.38, estimated returns of ₹5,61,695.38.
The power of time
The same SIP for 20 years instead of 10 grows to ₹49,95,739.60 on ₹12,00,000.00 invested — doubling the time more than triples the corpus.
A more cautious return
At 8% instead of 12% the 10-year result is ₹9,20,828.38.
SIP growth at different returns and periods
| Period | 8% | 12% | 15% |
|---|---|---|---|
| 5 years | ₹3,69,833.51 | ₹4,12,431.83 | ₹4,48,408.45 |
| 10 years | ₹9,20,828.38 | ₹11,61,695.38 | ₹13,93,286.36 |
| 15 years | ₹17,41,725.72 | ₹25,22,880.00 | ₹33,84,315.47 |
| 20 years | ₹29,64,736.09 | ₹49,95,739.60 | ₹75,79,774.87 |
| 25 years | ₹47,86,832.85 | ₹94,88,175.46 | ₹1,64,20,368.68 |
Values are for ₹5,000 a month. Mutual fund investments are subject to market risks. Returns here are assumptions for planning, not guarantees. Raise your SIP over time with the step-up SIP calculator, or work backwards from a target with the SIP goal calculator.
Practice problems
Try these yourself first, then check your answer. The answers come from the calculator above.
- ₹10,000 a month for 15 years at 12%. What is the maturity value?
Show answer
Maturity value: ₹50,45,760.00 · Estimated returns: ₹32,45,760.00
Common mistakes to avoid
- Treating the assumed return as guaranteed. Market returns vary and can be negative in any given year.
- Stopping a SIP when markets fall. Regular investing works by buying through the ups and downs.
- Ignoring inflation. A large future number buys less than it appears to.
- Choosing funds only by past returns. Consider risk, costs and your time horizon.
- Starting late. The early years of compounding matter most.
Frequently asked questions
How is SIP return calculated?
With the future-value formula for regular investments, using the monthly rate and the number of instalments. The calculator shows the working.
What return should I assume for a SIP?
It depends on the fund type and period. Equity funds have delivered higher long-term returns than debt funds but with more volatility. Use conservative assumptions for planning.
Is a SIP better than a lump sum?
A SIP spreads purchases over time, which reduces timing risk and suits regular income. A lump sum can do better in rising markets and worse in falling ones.
Are SIP returns taxable?
Gains on mutual funds are taxable, with rules depending on fund type and holding period. Check current rules or ask an adviser.
Can I stop or change my SIP?
Yes, in most cases you can pause, stop or change the amount; check your fund house’s terms.
Is this investment advice?
No. It is an educational estimate. Mutual fund investments are subject to market risks; read scheme documents carefully.
Sources and further reading
By Thomas M, Registered Investment Adviser (South Carolina), who launched his own financial advisory firm in 2010. Last reviewed September 26, 2026. Found a mistake? Tell us; see our editorial policy.