SIP Calculator - Systematic Investment Plan Returns
Estimate the future value of monthly SIP investing in mutual funds. Free browser-based calculator with a year-by-year breakdown.
Results
Total Value
₹11,61,695
Invested Amount
₹6,00,000
Estimated Returns
₹5,61,695
Estimates for information only, not financial advice.
SIP Calculator for Mutual Fund Investing
Estimate the maturity value of a Systematic Investment Plan, the popular way to invest a fixed amount in mutual funds every month. Enter your monthly amount, expected annual return, and time horizon, and the calculator shows the invested amount, estimated returns, and total value, with a year-by-year table. It runs entirely in your browser and stores nothing.
SIP investing dominates retail mutual fund flows in India, where monthly SIP contributions crossed 20,000 crore rupees per month in recent years, but the same disciplined approach works anywhere: it is simply rupee-cost or dollar-cost averaging into a fund. Salaried professionals, first-time investors, and financial planners use this calculator to set realistic targets before starting a plan.
The math uses the future value of an annuity with monthly compounding: FV = P times ((1+i)^n minus 1) divided by i, times (1+i), where P is the monthly installment, i the monthly rate, and n the number of installments. Investing at the start of each month (annuity due) earns one extra month of growth per installment, matching how most fund houses and AMFI-style calculators compute it.
For perspective, 5,000 per month at a 12% expected return grows to roughly 11.6 lakh in 10 years on about 6 lakh invested. Equity funds in India have historically returned 10-14% per year over long horizons, but returns are market-linked and never guaranteed, so test conservative rates too.
If you also have a lump sum to deploy alongside monthly investing, our Investment Calculator handles both together, and the Compound Interest Calculator shows how a one-time amount grows on its own. Planning for loans instead? The EMI Calculator computes monthly repayments the same private, in-browser way.
How the SIP Calculator Works
- 01Enter the fixed amount you invest every month; the default currency is rupees but you can switch to euro, dollar, or pound.
- 02Enter the annual return you expect from the mutual fund, commonly 10-14% for equity funds over long horizons.
- 03Choose the investment period in years with the slider.
- 04Read the invested amount, estimated returns, and total value, then open the year-by-year table to see growth per year.
Getting the Most From SIP Investing
A Systematic Investment Plan automates buying fund units every month regardless of market level, which averages your purchase price and removes timing decisions. The calculator uses the standard future value of an annuity formula with monthly compounding, assuming each installment is invested at the start of the month, the same convention AMFI-style calculators use. When choosing the expected return, look at long-run category averages rather than last year's best fund: Indian equity funds have historically delivered roughly 10-14% over 10+ year horizons, hybrid funds less, debt funds 6-8%. Test a conservative rate too, because SIP projections compound assumptions as well as money. The biggest practical lever is the step-up: increasing your SIP by 10% each year roughly doubles the final corpus over 20 years compared with a flat SIP at typical rates. Also mind exit loads and taxes: equity fund gains held over a year are taxed as long-term capital gains above the exemption threshold, which the projection does not include. Finally, stay invested through downturns; the whole benefit of rupee-cost averaging comes from buying more units when prices are low.
When to Use the SIP Calculator
Use it before starting or increasing a SIP mandate, when comparing fund categories with different expected returns, or when working backwards from a goal: enter different monthly amounts until the total value matches what you need for a house deposit, education corpus, or retirement supplement. It is equally useful outside India for anyone doing monthly dollar-cost averaging into index funds, since the math is identical.
Common Use Cases
- Estimating the maturity value of a monthly mutual fund SIP before submitting the mandate.
- Working backwards from a goal corpus to the monthly amount needed at a given return.
- Comparing equity, hybrid, and debt fund scenarios by changing the expected return.
- Showing new investors why starting a small SIP now beats waiting for a bigger salary.
- Modeling a combined plan with an existing lump sum plus monthly investing. Investment Calculator - Lump Sum + Monthly
- Checking loan affordability against investment potential for the same monthly amount. EMI Calculator - Loan Payment & Schedule
Expert Tips
- Step up your SIP by 5-10% every year; over 20 years this roughly doubles the corpus compared with a flat installment.
- Judge funds on 10-year category averages, not last year's winner, when picking the expected return input.
- Do not pause SIPs in market downturns; buying units cheaply is where rupee-cost averaging earns its keep.
Frequently Asked Questions
- FV = P times ((1+i)^n minus 1) divided by i, times (1+i), where P is the monthly installment, i the monthly rate (annual rate divided by 12), and n the number of months. The final (1+i) factor reflects investing at the start of each month.
- No. Mutual fund returns are market-linked. The calculator projects a constant assumed rate, which real markets never deliver smoothly. Use it for planning, and test conservative rates alongside optimistic ones.
- Indian equity funds have historically returned about 10-14% annually over horizons of ten years or more, but past performance does not guarantee future results. Many planners use 12% as a base case and 10% as a conservative case.
- Yes. A SIP is simply automated monthly investing, known elsewhere as dollar-cost averaging. Switch the currency selector and the same math applies to any monthly investment plan.
What formula does the SIP calculator use?→
Are SIP returns guaranteed?→
What is a realistic return assumption for equity SIPs?→
Does SIP work outside India?→
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