SIP Calculator
Calculate your SIP returns, maturity amount, and total wealth gained. Plan your mutual fund investments with accurate projections.
Investment Details
Maturity Amount
₹11.62 L
Total Invested
₹6.00 L
Wealth Gained
₹5.62 L
Portfolio Breakdown
How to calculate SIP returns
Plan your mutual fund investments in four simple steps.
- 01
Enter your monthly SIP amount
Use the slider or type the amount you plan to invest every month. You can start with as little as ₹500.
- 02
Set the expected annual return
Enter the expected rate of return. Equity mutual funds have historically returned 10–15% annually. Debt funds typically return 6–8%.
- 03
Choose the investment duration
Select how many years you plan to invest using the preset buttons (1, 3, 5, 10, 15, 20, or 30 years).
- 04
See your results instantly
The maturity amount, total invested, and wealth gained update in real time. The portfolio breakdown bar shows the split between your investment and returns.
What people use it for
Four questions this calculator answers.
Retirement planning
Calculate how much you need to invest monthly to build a retirement corpus. Adjust the duration to see the power of starting early.
Child education fund
Plan for your child's higher education by setting a target year and working backwards to find the right monthly SIP amount.
Wealth creation
See how compounding works over long periods. A small monthly investment can grow significantly over 20–30 years.
Comparing mutual funds
Compare different funds by changing the expected return rate. See how a 1–2% difference in returns affects your final corpus.
Goal-based investing
Set a financial goal (home down payment, car, vacation) and calculate the monthly SIP needed to reach it in your target timeframe.
Tax-saving ELSS planning
Plan your ELSS (Equity Linked Savings Scheme) SIP to maximize Section 80C tax deductions while building long-term wealth.
Worked example: ₹5,000 a month at 12%
The calculator assumes each instalment is invested at the start of the month and grows at a steady monthly rate of 12% ÷ 12 = 1%. Maturity = P × ((1 + r)n − 1) ÷ r × (1 + r). For ₹5,000 a month over 10 years (120 instalments) that's ₹11,61,695, from ₹6,00,000 invested.
| Period | Invested | Estimated value | Estimated gain |
|---|---|---|---|
| 5 years | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 10 years | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
| 15 years | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 |
| 20 years | ₹12,00,000 | ₹49,95,740 | ₹37,95,740 |
| 25 years | ₹15,00,000 | ₹94,88,175 | ₹79,88,175 |
The pattern is the point: in the first 5 years most of the value is money you put in; by 25 years, gains are more than five times your contributions. Changing the assumed return matters a lot too. Over 10 years, ₹5,000 a month grows to about ₹9.21 lakh at 8%, ₹10.33 lakh at 10% and ₹13.93 lakh at 15%.
What the estimate leaves out
- Returns aren't steady. Equity funds can fall 20–30% in a bad year; the calculator smooths that into one average rate, so treat the result as a scenario, not a forecast.
- Expense ratios, exit loads and tax on gains aren't deducted.
- Inflation isn't counted. At 6% inflation, money in 20 years buys roughly a third of what it does today.
- The SIP amount is fixed. Raising it each year with a step-up SIP would grow the corpus faster than shown.
Frequently asked questions
Everything you need to know about SIP investments and calculations.
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