Free financial tool

SIP calculator India

Calculate your mutual fund SIP returns instantly, with a year-by-year growth chart.

Amount (₹)

₹

Amount^*

Rate

Rate^*

Years

Years^*

Total investment

₹ 600,000

Six Lakh Rupees

Estimated returns

₹ 561,695

Five Lakh Sixty One Thousand Six Hundred Ninety Five Rupees

Total value

₹ 1,161,695

Eleven Lakh Sixty One Thousand Six Hundred Ninety Five Rupees

How SIP returns are calculated

A SIP compounds each monthly investment on top of the ones before it, using a standard future-value formula.

FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i)

P = amount invested each month

i = expected monthly rate of return (annual rate ÷ 12 ÷ 100)

n = total number of monthly instalments

Each month's instalment has a different number of months left to grow, so earlier instalments compound for longer than later ones.

This calculator runs that formula across your chosen tenure and expected return, then charts the year-by-year growth so you can see how much of the final value came from your own contributions versus returns.

Why it's worth calculating first

See compounding at work

The gap between what you invest and what you end up with grows faster than most people expect.

Plan toward a real goal

Work backward from a target amount to see roughly how much you'd need to invest monthly.

Compare tenure and return assumptions

See how starting five years earlier, or a different expected return, changes the outcome.

Separate contributions from returns

The results split out exactly how much is your own money versus estimated growth.

Getting more out of a SIP

A few habits tend to matter more than picking the "perfect" fund.

Start as early as you can

Extra years of compounding often matter more than a higher monthly amount started later.
Increase your SIP as your income grows

A yearly step-up, even a small one, can noticeably raise the final value.
Stay invested through market dips

SIPs are built to average out purchase cost over time — pausing during a downturn works against that.
Revisit your numbers periodically

Re-run the calculator with updated goals, tenure or return assumptions every year or so.

Returns here are an estimate based on the rate you enter, not a guarantee — actual mutual fund returns vary. This tool isn't financial advice; consider speaking with a licensed advisor for decisions specific to your situation.

Frequently asked questions

A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund at regular intervals, usually monthly, instead of investing a lump sum all at once.

That depends on the fund category and your own outlook — this calculator lets you enter any assumed annual rate so you can compare conservative and optimistic scenarios.

No. Mutual fund returns aren't fixed or guaranteed — the calculator projects a result based on the rate you enter, which is an assumption, not a promise.

Neither is universally better — a SIP spreads out purchase timing and can smooth out volatility, while a lump sum can do better if invested right before a strong rally. It depends on your cash flow and risk tolerance.

Most funds simply skip that month without penalty, though policies vary by fund house — check your specific SIP's terms.

Yes, in most cases you can increase, decrease, pause or stop a SIP, subject to your fund house's process and any applicable exit load.