Use this free SIP calculator to estimate the future value of your monthly mutual fund investment. Enter your monthly SIP, expected return, and time period to instantly see what your wealth could grow to - with a year-wise breakdown of invested amount and gains.
Most equity SIPs in India start from ₹500/month.
Long-term Indian equity SIPs have averaged 10–12%.
Longer duration unlocks the magic of compounding.
Maturity value
₹50,45,760
Total invested
₹18,00,000
Estimated gains
₹32,45,760
Invested vs. Gains
Returns are illustrative. Actual mutual fund SIP returns depend on market performance, expense ratio, exit load, and taxation. Past performance is not indicative of future results.
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Systematic Investment Plans have quietly become the foundation of how middle-class India saves for its long-term goals. As of early 2026 the industry processes more than ₹26,000 crore of SIP contributions every month, spread across roughly 9.5 crore active SIP accounts. The reason is simple: a SIP turns the impossible question of 'when should I invest?' into the manageable question of 'how much can I invest each month?' Once that's answered, the discipline takes care of the rest - auto-debit on the first of every month, market timing problem solved.
This calculator uses the standard future-value-of-an-annuity-due formula that mutual fund AMCs and SEBI investor education materials publish. It assumes you invest at the start of every month and earn a constant annualised return. Real-world SIP returns are never constant - equity markets can return 30% one year and minus 15% the next - but the long-term compounded average usually lands within a few percentage points of the expected return you enter, provided you stay invested for at least 7-10 years.
Enter your monthly SIP amount (the fixed amount you plan to invest each month).
Enter the expected annual return - historically Indian equity mutual funds have delivered 10–14% over long horizons.
Enter the investment duration in years (most goals - retirement, child's education, home down-payment - span 10-25 years).
View the projected maturity value, total invested amount, and estimated returns.
Open the year-wise schedule to see how compounding accelerates wealth in the later years.
Try a step-up SIP (increase your contribution by 10% each year) to see how dramatically the maturity value changes.
A SIP is a fixed monthly investment in a mutual fund scheme. Each instalment buys units at the prevailing NAV. Over time the returns compound - gains start earning their own gains, which is what economist Albert Einstein called the eighth wonder of the world. Because SIPs spread your investment across market cycles, they also benefit from rupee-cost averaging: you automatically buy more units when markets are low and fewer when markets are high, smoothing out your average purchase price.
M = P × ([(1 + i)^n − 1] / i) × (1 + i)
The maturity formula is the future-value-of-annuity-due equation. Each monthly SIP is treated as a separate investment that grows for a different number of months - the first SIP grows for the full tenure, the last SIP grows for just one month. Summing the future values of all those individual contributions gives you the closed-form formula above. The (1 + i) factor at the end accounts for the fact that you invest at the start of each month rather than the end, giving every contribution one extra month to compound.
For Indian equity mutual funds, three return assumptions get used most often: 12% (a common long-term expectation based on historical Nifty 50 total-return-index averages), 10% (a more conservative number used in financial-planning textbooks), and 15% (an optimistic number based on small-cap and aggressive flexi-cap fund track records). Use 10-12% for large-cap index SIPs, 12-14% for diversified flexi-cap or mid-cap SIPs, and treat anything above 15% as a hope, not a plan.
Two adjustments often missed: expense ratio and exit load. Direct mutual fund plans charge 0.5-1.5% expense ratio annually; regular plans charge 1.5-2.5%. Always run your SIP projection on net-of-expense returns, not on the headline returns. Exit load (typically 1% if redeemed within one year) does not affect long-term SIPs but is a real cost if you stop early. The calculator output assumes net returns - set your expected return slightly below your fund's headline category average to bake in the expense ratio.
The result is in nominal rupees, not real (inflation-adjusted) rupees. A ₹1 crore corpus in 25 years buys roughly what ₹35-40 lakh buys today (assuming 5% inflation). Use the inflation calculator on this site to convert your maturity value into present-day purchasing power before deciding if it's enough for your goal.
Total invested: ₹30,00,000. Projected maturity: roughly ₹1,89,76,000 - almost 6.3× the invested amount. Of that, ₹1,59,76,000 is wealth created by compounding, not money you put in. Notice that in the first 8 years the gains barely match the invested amount; by year 15 they overtake the principal; by year 25 they're more than 5× the principal. That's the compounding tail that makes SIPs work - but only if you don't stop.
₹15,000 × 12 × 18 = ₹32,40,000 invested. Projected maturity: about ₹1,15,30,000. If your child's college costs ₹50 lakh today and college fees inflate at 8%, the same education will cost roughly ₹2 crore in 18 years - meaning even this aggressive SIP covers only about 60% of the goal. The fix isn't a higher return assumption (you can't control that), it's a step-up SIP: increase the monthly amount by 10% every year and the maturity rises to about ₹1,75 lakh.
₹25,000 × 12 × 5 = ₹15,00,000 invested. Projected maturity: about ₹19,80,000. For a 5-year horizon, equity SIPs are risky - the maturity could realistically range from ₹16 lakh to ₹25 lakh depending on where the market lands. For goals less than 5 years away, hybrid or debt-oriented hybrid SIPs are more appropriate even if the projected maturity is lower.
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in a mutual fund every month. It encourages disciplined investing, removes the need to time the market, and lets you participate in equity wealth creation through small, regular instalments.
No. SIP returns depend on the underlying mutual fund's performance and are subject to market risk. The calculator uses an assumed rate of return - actual returns can be higher or lower, and over short horizons they can even be negative.
For long-term Indian equity mutual fund SIPs (10+ years), a 10-12% annualised return is a reasonable expectation based on historical large-cap data. Aggressive flexi-cap and mid-cap funds may average 12-14%. Hybrid funds typically return 8-10%, and debt funds 6-7%. Always use net-of-expense returns.
Yes. Most SIPs can be increased, decreased, paused (for up to 6 months) or stopped at any time without penalties. Top-up SIPs let you increase the amount automatically each year - a powerful way to keep up with inflation and rising income.
In the early years, most of your SIP value is the money you invested. After 7-10 years, returns start to outweigh contributions - that's compounding kicking in. By year 20+, returns can exceed contributions by 4-6× depending on the rate. The longer you stay invested, the more dramatic the effect.
A lumpsum is a one-time investment; a SIP spreads the same amount over months. SIPs reduce timing risk through rupee-cost averaging. Lumpsums benefit from longer market exposure if invested at a market low, but most retail investors get the timing wrong, making SIPs the safer default for long-term goals.
For investments up to ₹25,000 per month, one good index fund or flexi-cap fund is usually enough. Above that, splitting across 2-3 funds (one large-cap or index, one flexi-cap or mid-cap, optionally one international) helps diversification without becoming unmanageable.
Each SIP instalment is treated as a separate purchase for capital-gains tax. When you redeem, gains on units held more than 12 months are long-term capital gains (LTCG) at 12.5% above ₹1.25 lakh per year (FY26 rates). Gains on units held less than 12 months are short-term and taxed at 20%.
Indian financial products - home loans, fixed deposits, mutual funds, NPS, insurance - each carry their own quirks: monthly reducing balance vs flat-rate interest, quarterly vs monthly compounding, indexation on capital gains, the choice between the old and new tax regime. We design every finance calculator to use the formula that an Indian bank, AMC, or insurer would actually use, and to surface the assumptions in plain English so you can audit the result against your own statement.
Use this calculator alongside the EMI, SIP and inflation calculators to plan your money holistically. A standalone EMI number means little until you compare it with your in-hand salary, your existing debt-to-income ratio, and the impact of inflation on the real cost of the loan. The related-tool grid below makes it one click to chain these analyses together.
The SIP Calculator is part of the Finance suite on Online Calculator Tools, alongside 6 related calculators. All tools share the same UI patterns, the same privacy-first rendering (nothing is sent to a server), and the same commitment to showing the formula and assumptions behind every result.
