SIP Calculator (India)
Estimate what a monthly mutual fund SIP could grow to. Enter your monthly investment, an expected annual return and the number of years.
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund every month. Because you buy across market ups and downs and the returns compound, small monthly amounts can build into a large corpus over time. This calculator estimates the future value of a SIP from your monthly amount, an expected annual return and the duration — useful for setting goals, though real returns will differ from any assumption.
How a SIP is calculated
Each monthly instalment grows for the months remaining until the end, so the total is the future value of a monthly series at the monthly rate.
where P = monthly amount, i = annual return ÷ 12, m = months
| ₹5,000/month at 12% | Value |
|---|---|
| After 5 years | ₹4,12,432 |
| After 10 years | ₹11,61,695 |
| After 20 years | ₹49,95,740 |
Worked example
₹5,000 a month for 10 years at an assumed 12% return:
| Total invested = 5,000 × 120 | ₹6,00,000 |
| Estimated value | ₹11,61,695 |
| Estimated gains | ₹5,61,695 |
The power of staying invested
The longer a SIP runs, the more compounding does the heavy lifting — notice how the 20-year figure is far more than double the 10-year one for the same monthly amount. Starting early and continuing through market dips (rupee-cost averaging) is what makes SIPs effective. That said, the expected return is only an assumption; equity funds are volatile, past performance doesn't guarantee future results, and returns can be negative over shorter periods. Treat the output as a goal-planning estimate, not a guaranteed outcome.