SIP Calculator – Mutual Fund Returns

Estimate how much your monthly SIP or one-time investment could grow to over time.

How to use the SIP Calculator

  1. Choose monthly SIP or lumpsum.
  2. Enter the amount you will invest.
  3. Enter an expected annual return – be conservative.
  4. Enter the number of years and press Calculate.

How SIP returns are calculated

A Systematic Investment Plan (SIP) invests a fixed amount every month. Each instalment compounds for the remaining months. The calculator uses the standard future-value formula:

FV = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly amount, i the monthly return and n the number of months.

Example

₹5,000 a month for 15 years at 12% a year grows to about ₹25 lakh, of which only ₹9 lakh is your investment – the rest is compounding.

SIP tips

  • Start early – time in the market matters more than amount.
  • Increase your SIP every year with your salary (step-up SIP).
  • Stay invested through market falls; SIP buys more units when prices are low.
  • Match fund type to your goal: equity for 7+ years, debt or hybrid for shorter goals.

Mutual fund investments are subject to market risks. Returns are not guaranteed; this calculator only illustrates compounding.

Frequently asked questions

What return should I assume?

Many people use 10–12% for long-term equity funds and 6–7% for debt funds, but actual returns vary.

SIP or lumpsum – which is better?

SIP suits regular income and reduces timing risk. Lumpsum can work when you have a large amount and a long horizon.

Are SIP returns guaranteed?

No. Mutual fund returns depend on market performance.

Last updated: 10 November 2026