SIP Calculator

Estimate returns on monthly SIP. Enter amount, expected return % and years.

Gratuity PPF EPF / PF EMI SIP FD NPS Income Tax HRA

Monthly investment (₹)

₹

Expected return (p.a.) %

Years

yrs

SIP result

Total invested₹ 12,00,000

Estimated returns₹ 11,00,387

Maturity amount₹ 23,00,387

Returns are not guaranteed. Use expected return only as an estimate. Past performance is not indicative of future results.

SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It leverages rupee-cost averaging: you buy more units when the market is low and fewer when it is high, reducing timing risk over the long term.

What is this calculator?

A SIP Calculator estimates the future value of your regular monthly investments. Enter the monthly SIP amount, expected annual return, and investment duration. The calculator shows your total investment, estimated returns, and the maturity amount.

Formula

The future value of a monthly SIP:

FV = P × [((1 + i)^n − 1) / i] × (1 + i)

Where:
• P = Monthly SIP amount
• i = Expected monthly rate of return = Annual return ÷ 12
• n = Total number of months

Note: The (1 + i) factor at the end accounts for the fact that each installment is invested at the beginning of the month. Some calculators omit this, so results will differ slightly.

Example

Monthly SIP: ₹10,000, Expected return: 12% p.a., Duration: 15 years. Total invested: ₹18,00,000. Estimated returns: ₹29,27,000. Maturity amount: ₹47,27,000. If you increase the SIP to ₹15,000 with the same return and duration, the maturity jumps to ₹70,90,000. Even a small increase in monthly SIP makes a massive difference over time.

Benefits

✓Start with as little as ₹500/month, no large lump sum needed.
✓Rupee-cost averaging reduces the impact of market volatility.
✓Compounding works harder the longer you stay invested. Time is your biggest ally.
✓Automates investing discipline: set it and forget it.

Frequently Asked Questions

Is the 12% return guaranteed?: No. Mutual fund returns are market-linked and not guaranteed. 12% is a commonly used long-term estimate for equity mutual funds based on historical Nifty 50 returns. Actual returns may be higher or lower.
Can I stop or pause my SIP?: Yes. SIPs can be paused or stopped at any time. There is no penalty. You can also increase, decrease, or change the SIP amount.
SIP vs lump sum: which is better?: SIP reduces timing risk through rupee-cost averaging, making it ideal for volatile markets. Lump sum can outperform if invested at a market low. For most investors, SIP is safer and more practical.
Are SIP returns taxable?: Yes. Equity mutual fund LTCG (Long Term Capital Gains) above ₹1.25 lakh per year is taxed at 12.5%. STCG (holding < 1 year) is taxed at 20%. Debt fund gains are taxed as per your income slab.
What is a step-up SIP?: A step-up SIP automatically increases your SIP amount by a fixed percentage every year (e.g., 10% annual increase). This aligns with salary growth and can significantly boost your corpus over time.

Returns are estimated and not guaranteed. Past performance of mutual funds is not indicative of future results. Please consult a financial advisor.