SIP Calculator
Estimate your mutual fund returns — see how your SIP grows
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SIP Calculator — Mutual Fund Returns Estimator
A SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. Our free SIP calculator shows you how much your investments can grow over time with the power of compounding.
SIP Formula
M = P × [(1+r)^n − 1] / r × (1+r)
Where M = Maturity value, P = Monthly investment, r = Monthly return rate (Annual rate ÷ 12 ÷ 100), n = Total months.
Why SIP?
- Invest as little as ₹500/month — accessible for everyone.
- Rupee cost averaging reduces market volatility impact.
- Power of compounding multiplies wealth significantly over long periods.
- ELSS SIPs offer tax deduction under Section 80C (up to ₹1.5L/year).
Expected Returns by Fund Type
- Debt Funds: 6–8% p.a. — low risk, steady returns.
- Hybrid Funds: 9–11% p.a. — moderate risk.
- Equity/Large Cap: 11–13% p.a. — market-linked.
- Small/Mid Cap: 13–18% p.a. — higher risk, higher potential.
More Free Calculators
Worked Example
See how a small monthly SIP grows into a significant corpus over time.
Example: ₹3,000/month SIP for 15 years at 12% return
| Monthly Investment | ₹3,000 |
| Annual Expected Return | 12% |
| Investment Period | 15 years (180 months) |
| Total Amount Invested | ₹5,40,000 |
| Estimated Returns | ₹9,65,797 |
| Maturity Value | ₹15,05,797 |
Your money grew by 179% — from ₹5.4 lakh invested to ₹15+ lakh. Try ₹5,000/month or 20 years in the calculator above to see the power of compounding.
₹1,000 vs ₹5,000 vs ₹10,000/month at 12% for 10 years
| Monthly SIP | Invested | Maturity |
|---|---|---|
| ₹1,000 | ₹1.2L | ₹2.32L |
| ₹5,000 | ₹6L | ₹11.61L |
| ₹10,000 | ₹12L | ₹23.23L |
Frequently Asked Questions