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SIP Calculator

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Calculate returns on Systematic Investment Plan (SIP) in mutual funds

₹5 thousand
₹
%
years
Estimated value
₹11,61,695
Eleven Lakh Sixty One Thousand Six Hundred Ninety Five Rupees
Total invested
₹6,00,000
Estimated returns
₹5,61,695
Money multiplied
1.94×
Mutual fund returns are not guaranteed. This assumes the same return every year.
Invested vs returns
Growth over time
YearInvestedReturnsValue
1₹60,000₹4,047₹64,047
2₹1,20,000₹16,216₹1,36,216
3₹1,80,000₹37,538₹2,17,538
4₹2,40,000₹69,174₹3,09,174
5₹3,00,000₹1,12,432₹4,12,432
6₹3,60,000₹1,68,785₹5,28,785
7₹4,20,000₹2,39,895₹6,59,895
8₹4,80,000₹3,27,633₹8,07,633
9₹5,40,000₹4,34,108₹9,74,108
10₹6,00,000₹5,61,695₹11,61,695

Runs entirely in your browser. Nothing you type or upload is sent to us or stored.

Results are estimates, not financial advice. Rates, charges and rules change, so confirm with your bank, post office or a financial adviser before you decide. Terms of use

How to Use

  1. Enter your monthly investment, the fixed amount you'll put in every month.
  2. Enter the expected return per year. As a rough guide, people use 10–12% for equity funds and 6–7% for debt funds. Returns aren't guaranteed.
  3. Set the investment period in years.
  4. The estimated value, amount invested and returns change as you type. Scroll down to see year-by-year growth in a chart and a table.

What is a SIP?

A Systematic Investment Plan (SIP) lets you put a fixed amount into a mutual fund every month. It's a bit like an RD, except the money goes into the stock or bond market. SIPs use rupee cost averaging: you buy more units when markets fall and fewer when they rise, which evens out the ups and downs over time. This SIP calculator shows what your monthly investment could grow to.

SIP returns formula

FV = P × [(1 + r)n − 1] / r × (1 + r)

FV = future value, P = monthly investment, r = monthly rate (annual ÷ 12 ÷ 100), n = total months.

Past returns as a reference (India)

Fund category10-year avg return
Large cap equity12–14% p.a.
Mid cap equity15–18% p.a.
Debt / liquid funds6–8% p.a.
Hybrid / balanced10–12% p.a.

Past returns don't guarantee future performance. Equity SIPs carry market risk.

The 15-15-15 rule

Invest ₹15,000 a month in equity SIPs at 15% a year for 15 years and you end up with roughly ₹1 crore. It's a handy way to see what steady, long-term investing can add up to.

Frequently Asked Questions

10–12% a year for large-cap equity funds, 12–15% for mid-cap, and 6–7% for debt funds. These are historical averages and real returns will vary. Never treat an equity fund's return as guaranteed. For goals more than 7 years away, equity SIPs have historically beaten inflation.

Not in equity funds. Markets can swing a lot over 1–3 years, so for short-term goals use debt fund SIPs or recurring deposits instead. For 3–5 year goals, balanced or hybrid funds are a reasonable middle path.

Yes. Most fund houses let you pause a SIP for 1–3 months without any penalty, and you can stop (cancel) it whenever you like. The units you already hold stay invested and keep growing. Only the new instalments stop.

It's what happens when you invest the same amount every month. When markets fall, that amount buys more units at lower prices. When markets rise, it buys fewer units at higher prices. Over time this averages out your purchase cost, so the timing of any one month matters less.

No. SIPs in equity mutual funds don't guarantee returns, which depend on how the market does. That said, disciplined equity SIPs held for 10 years or more have rarely ended with a loss. The longer you stay invested, the more the swings even out.

A lump sum puts the whole amount in at once, so when you invest matters a lot. A SIP invests in regular instalments, so timing matters less thanks to rupee cost averaging. For most salaried people who don't have a large sum sitting idle, a SIP is the practical choice, and it's easier to stick with.