SIP Calculator
Calculate mutual fund SIP returns, maturity value, and wealth gained with year-wise growth breakdown.
How to Use the SIP Calculator
- Enter your monthly investment amount — how much you plan to invest every month.
- Enter the expected annual return rate (equity mutual funds have historically averaged 10-12% in India).
- Enter the investment period in years.
- Click Calculate Returns to see maturity value, total invested, and wealth gained.
- Check the year-wise growth table to see how compounding accelerates your returns over time.
Formula & Method
SIP maturity value uses the future value of annuity formula:
FV = M x [((1 + i)^n - 1) / i] x (1 + i)
Where M is the monthly investment, i is the monthly return rate (annual rate / 12 / 100), and n is the total number of months. The (1 + i) multiplier accounts for investments made at the start of each month.
Examples
| Monthly SIP | Return | Period | Invested | Maturity Value |
|---|---|---|---|---|
| 5,000 | 12% | 10 yr | 600,000 | 1,161,695 |
| 10,000 | 12% | 15 yr | 1,800,000 | 5,045,760 |
| 10,000 | 12% | 20 yr | 2,400,000 | 9,991,479 |
| 25,000 | 10% | 25 yr | 7,500,000 | 33,447,259 |
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund, building wealth gradually through rupee cost averaging and compounding.
What return rate should I expect?
Equity mutual funds in India have historically returned 10-12% annually over long periods. Debt funds return 6-8%. Use 12% for optimistic equity projections and 8% for conservative estimates.
Is SIP better than a lump sum investment?
SIP reduces timing risk through rupee cost averaging — you buy more units when markets fall. For salaried investors, SIP also enforces discipline. Lump sum can outperform in consistently rising markets.
Are SIP returns guaranteed?
No. Mutual fund returns depend on market performance. This calculator shows projections based on the rate you enter, not guaranteed outcomes.
What is the power of compounding in SIP?
In the early years most of your balance is your own contributions. After 15+ years, gains compound on previous gains, and growth accelerates dramatically — which is why starting early matters more than investing more.
🔥 Popular SIP Calculator Results
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People Also Ask
How much will 10,000 per month grow in 15 years?
At 12% annual returns, a 10,000 monthly SIP grows to about 5,045,760 in 15 years — you invest 1,800,000 and gain roughly 3,245,760.
Can I become a crorepati with SIP?
Yes. A 10,000 monthly SIP at 12% reaches 1 crore in about 20 years. A 15,000 monthly SIP gets there in about 17 years. Time and consistency matter more than the amount.
What happens if I miss a SIP installment?
Missing one installment does not cancel your SIP — the fund simply skips that month. Multiple consecutive misses may lead the bank or fund house to stop the mandate, but your existing investment stays intact.