SIP Calculator
Calculate your mutual fund SIP returns instantly. Enter monthly investment, expected return rate, and tenure to estimate maturity amount, total invested, and profit.
Calculate Your SIP Returns
What Is an SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount regularly — usually monthly — into a mutual fund of your choice. SIPs let you build wealth gradually while smoothing out market timing risk through rupee-cost averaging.
Each contribution buys more units when prices fall and fewer when they rise, so your average buy price tracks the market over time. Combine that with the long-term compounding effect of equity markets, and a disciplined SIP is one of the most reliable wealth-creation tools available to Indian retail investors.
- Low barrier to entry — most fund houses allow SIPs starting at ₹500/month.
- Hands-free — auto-debits ensure you never miss a contribution.
- Goal-friendly — align SIP horizon with life goals like home, retirement, or child's education.
How Is the SIP Maturity Calculated?
This calculator uses the standard future value of an annuity formula with monthly compounding:
FV = P × [((1 + r)n − 1) / r] × (1 + r)
- FV = future value (maturity amount)
- P = monthly investment
- r = monthly return rate (annual rate ÷ 12 ÷ 100)
- n = total number of months (tenure × 12)
The profit is simply FV minus your total invested (P × n). Mutual fund investments are subject to market risks; results are estimates based on a constant return.
Sample SIP Projections (12% expected return)
| Monthly SIP | 10 Years | 15 Years | 20 Years |
|---|---|---|---|
| ₹2,000 | ₹4.65 L | ₹10.09 L | ₹19.98 L |
| ₹5,000 | ₹11.62 L | ₹25.22 L | ₹49.96 L |
| ₹10,000 | ₹23.23 L | ₹50.46 L | ₹99.91 L |
| ₹25,000 | ₹58.08 L | ₹1.26 Cr | ₹2.50 Cr |
| ₹50,000 | ₹1.16 Cr | ₹2.52 Cr | ₹5.00 Cr |
SIP Deadline — KYC for Mutual Funds
- KYC Update for Mutual Funds: March 31, 2025
Without a valid KYC, you can't start a new SIP. Update via CAMS, KFintech, or your AMC.