SIP Calculator
Calculate SIP returns with yearly projections
Your SIP Results
Total Amount Invested
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Your actual contributionsEstimated Returns
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Wealth created by compoundingTotal Maturity Value
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What you walk away withYour money grew this many times over the investment period
| Monthly SIP Amount | ₹0 |
| Investment Duration | 0 years |
| Expected Return Rate | 0% |
| Total Months of SIP | 0 |
| Return on Investment | 0% |
| Year | Total Invested (₹) | Returns Earned (₹) | Total Value (₹) | Growth % |
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Planning your monthly budget around this SIP?
Use our Monthly Budget Calculator to find the right SIP amount that fits your income without straining your expenses.
Almost every financial website in India has a SIP calculator. Most of them hand you a single final number and leave you guessing how they got there. This systematic investment plan calculator works differently, it breaks down your results year by year, shows you a visual growth curve, calculates your wealth multiplier, and marks your corpus at key milestones along the investment journey. It is built for anyone who wants to understand their money, not just see a number on a screen. Whether you are exploring SIP investment for beginners in India or fine-tuning a long-term portfolio you have been running for years, the output here gives you enough detail to actually act on.
A Systematic Investment Plan is a method of investing a fixed amount in a mutual fund every month, on a fixed date, regardless of what the market is doing that day. This monthly SIP calculator and SIP return calculator tells you exactly how much that disciplined habit compounds into over time. showing invested amount, returns earned, total maturity value, and a complete year-by-year breakdown. Enter three numbers that is your monthly amount, the number of years, and the expected return rate and the results appear instantly. No login. No ads. No data saved.
The Formula Behind This SIP Calculator
This mutual fund SIP calculator uses the standard future value of an annuity due formula — the same one used by platforms like Groww, Zerodha Coin, and HDFC MF to project SIP maturity values. It is also the correct formula for a SIP calculator with compound interest India searches consistently look for, because SIP compounding works on a monthly basis, not annually. Calculating the future value of SIP correctly requires a monthly rate, not simply dividing the annual rate by 12 as a flat figure the compounding chain must be maintained across all months.
FV = P × [ ((1 + r)ⁿ − 1) / r ] × (1 + r)- FV= Future Value — the maturity amount you receive at the end
- P= Monthly SIP amount in ₹
- r= Monthly rate = Annual return rate ÷ 12 ÷ 100
- n= Total months = Years × 12
- (1 + r)at the end adjusts for beginning-of-period payment (standard SIP convention)
Why "annuity due" and not ordinary annuity? Because your SIP auto-debit runs on day 1, 2, or 5 of the month — the beginning of the period. An ordinary annuity assumes end-of-month payment, which understates the result by roughly 1% over 10 years. This calculator uses beginning-of-period, matching real SIP behaviour.
Real Example: SIP Calculator ₹5000 per Month, 10 Years, 12% Return
Run the default values — which already match the most-searched scenario of aSIP calculator ₹5000 per month 10 years— and here is the exact output this tool produces. This also works as aSIP calculator for 12 percent returnillustration since 12% p.a. is the return rate most Indian financial planners use for equity mutual fund projections.
Invested: ₹6.00 L | Returns: ₹5.61 L | Total Value: ₹11.61 L | Multiplier: 1.93x- Year 1:Corpus ₹63,857 vs ₹60,000 invested — compounding is just starting
- Year 3:Corpus ₹2.16 L vs ₹1.80 L invested — returns now visible
- Year 5:Corpus ₹4.12 L vs ₹3.00 L invested — returns accelerating
- Year 8:Corpus ₹7.68 L vs ₹4.80 L invested — returns exceed 50% of invested
- Year 10:Corpus ₹11.61 L vs ₹6.00 L invested — returns nearly equal the principal
Notice the shape of growth in the year-by-year table: the first three years look modest, but from year 6 onward the returns column grows faster than the invested column. This acceleration is the compounding effect and it is why stopping a SIP at year 7 of a planned 12-year horizon is the single most damaging decision a long-term investor can make.
What This SIP Calculator Shows That Others Do Not
Most SIP return calculators online give you three numbers and call it done. This tool was built because three numbers are not enough to understand what your money is actually doing over 15 or 20 years. It functions as both a SIP calculator with chart and a SIP growth calculator year by year— combining visual output with a detailed data table so you can read the growth at any point in the investment timeline, not just at the end.
Complete SIP yearly projection table with growth badges
The SIP yearly projection table shows every year individually total invested, returns earned, total corpus, and a growth percentage badge that turns green once your returns cross the 50% mark. This is the data most calculators hide inside a chart tooltip. Here it is a first-class output you can read row by row.
Wealth multiplier — the one number that matters most
Instead of making you divide total value by invested amount, the calculator shows a wealth multiplier badge directly. ₹5,000 for 10 years at 12% = 1.93x. The same SIP for 20 years = 3.99x. For 30 years = 9.07x. That number communicates the value of staying invested longer more powerfully than any percentage table.
Investment milestones at 25%, 50%, 75%, and maturity
The milestone panel shows your corpus at four checkpoints, not just at the end. Useful if you are planning for a mid-term goal — a child's college fund in year 13 while your retirement target is year 25. You can see what the SIP will be worth at the intermediate point without running a separate calculation.
Interactive growth curve chart with Indian number formatting
The chart plots both your invested amount and total corpus value on the same axis so you can see visually when returns begin to outpace contributions. The Y-axis automatically switches to Lakh and Crore notation for large corpora — so you read ₹1.24 Cr, not ₹1,24,00,000. Tooltip hover shows exact values for each year.
What this calculator assumes: A constant monthly investment amount, a fixed annual return rate applied uniformly, and SIP payments at the start of each month. It does not account for expense ratios (0.5–1.5% annually for direct plans), exit loads, LTCG/STCG taxes, or inflation-adjusted SIP returns. In real terms, a 12% nominal return with 6% inflation is roughly 5.7% real return. For inflation-adjusted projections or step-up SIP modelling, use our Step-Up SIP Calculator.
How to Use This SIP Calculator: Step by Step
The calculator takes three inputs. Here is what each means and what number to enter.
Step 1: Enter your monthly SIP amount
This is the fixed amount you plan to invest each month through a mutual fund SIP mandate. Start with ₹5,000 if you are exploring — that is the most common starting point in India — then adjust up or down to see how the output shifts. The minimum is ₹500 (matching most AMC minimums). There is no upper limit in the calculator but bank SIP mandates typically require special approval above ₹99,999 per month.
Step 2: Enter the investment period in years
How many years you plan to continue the SIP without stopping. The calculator accepts 1 to 40 years. If you are 28 and planning for retirement at 60, enter 32. If you are saving for a child's higher education in 15 years, enter 15. Try the same monthly amount at 10, 15, and 20 years side by side — the difference that five extra years creates will change how you think about starting dates.
Step 3: Enter the expected annual return rate
The expected CAGR from your chosen mutual fund. For equity funds, 10 to 12% is the standard planning assumption for Indian investors. See the return rate guide table below for category-wise reference values.
Step 4: Read the full results
Results show three summary cards (invested / returns / total value), a wealth multiplier badge, an investment summary table with your ROI percentage, a growth chart, four investment milestone values, and the complete yearly projection table. Each row in the table includes a growth % badge that turns green once returns cross the 50% mark.
Step 5: Work backwards from your goal
For anyone searching for thebest SIP amount for retirement in India, the correct approach is goal-first. Decide your target corpus — say ₹1 Crore in 25 years — then try different monthly amounts until the total value hits that number. At 12% return, you need roughly ₹6,500 per month for 25 years to reach ₹1 Crore. Once you know your required SIP amount, use our Monthly Budget Calculator to confirm it fits within your 20% savings allocation without straining your monthly expenses.
Lump Sum vs SIP Difference — and How SIP Compares to RD
The lump sum vs SIP difference is one of the most searched questions in Indian personal finance. The honest answer: lump sum wins on paper when markets go straight up, SIP wins in real life because salaried investors rarely have a large surplus sitting idle. For aSIP vs RD calculatorcomparison, here is what the same ₹5,000 per month produces across instruments:
₹5,000/month for 10 years = ₹11.61 Lakh total value from ₹6 Lakh invested. The rupee cost averaging benefit of SIP means you buy more units during market dips and fewer during peaks — smoothing your average acquisition cost over time without needing to time the market.
Best suited for: salaried investors, goals 5+ years away, anyone building long-term wealth from monthly salary.
Limitation: returns are market-linked and not guaranteed. Bad years can make you question the plan — which is exactly when stopping would be the costliest mistake.
₹5,000/month for 10 years = ₹8.69 Lakh total value from ₹6 Lakh invested. Returns are guaranteed but fully taxable as per your income slab. For someone in the 30% bracket, the effective post-tax return drops to around 4.9% — barely above inflation in most years.
Best suited for: short-term goals under 3 years, capital preservation, senior citizens with low risk tolerance, emergency fund parking.
Gap vs SIP: ₹2.92 Lakh less corpus over 10 years for the same monthly investment — a 25% difference that grows wider with longer durations and higher tax brackets.
Return Rate Guide for SIP Calculator India — What Percentage to Enter
The single most common mistake when using any SIP maturity calculator is entering the wrong return rate — usually a fund's recent 1 or 3-year return, which can be artificially high after a bull run. For this SIP calculator India tool, always use a 10-year rolling return average, not a recent peak return. Here is a practical category-wise reference for what values to enter, relevant whether you are searching for a SIP calculator for 12 percent return projection or planning conservatively at 10%.
CAGR meaning in SIP: CAGR stands for Compound Annual Growth Rate — the rate at which your investment grows on average each year when compounding is included. A fund with 12% CAGR over 10 years does not grow by exactly 12% every year; some years it gives 25%, others -15%. But the compounding chain of those variable returns, when expressed as a single steady annual rate, equals 12%. This is the number to use in a SIP calculator, not the best single-year return.
If you are researching the best SIP plan 2025 India and want to understand what equity mutual fund returns look like across categories, the table below gives realistic planning ranges based on long-term historical data:
| Fund Category | Realistic CAGR (Planning Use) | Risk Level | Minimum SIP Horizon |
|---|---|---|---|
| Liquid / Overnight Fund | 6 – 7% | Very Low | Under 1 year |
| Debt / Conservative Hybrid | 7 – 9% | Low | 1 – 3 years |
| Large Cap Equity | 10 – 12% | Moderate | 5+ years |
| Flexi Cap / Multi Cap | 11 – 13% | Moderate-High | 7+ years |
| Mid Cap Equity | 12 – 14% | High | 10+ years |
| Small Cap Equity | 13 – 15% | Very High | 12+ years |
These ranges are based on long-term historical averages for Indian mutual funds and are not return guarantees.Inflation-adjusted SIP returns will be lower — at 6% inflation, a 12% nominal return becomes roughly 5.7% in real purchasing power terms. Always check a fund's 10-year rolling CAGR, not just its 1 or 3-year return, before deciding what rate to enter in a SIP calculator. Use our Contingency Fund Tracker to make sure your emergency buffer is in place before locking money into long-term SIPs.
The Power of Compounding in Mutual Funds — Early vs Late Start
The power of compounding in mutual funds is real but it only shows its full force over time. The numbers below answer a question this tool gets asked often —how much will SIP give after 15 yearscompared to 10 or 20 years with the same monthly amount? And separately, what does a small SIP like ₹1,000 per month for 20 years actually grow to?
| Monthly SIP | Duration | Total Invested | Corpus at 12% p.a. | Wealth Created |
|---|---|---|---|---|
| ₹1,000/month | 10 years | ₹1.20 L | ₹2.32 L | ₹1.12 L |
| ₹1,000/month | 15 years | ₹1.80 L | ₹5.05 L | ₹3.25 L |
| ₹1,000/month | 20 years | ₹2.40 L | ₹9.99 L | ₹7.59 L |
| ₹5,000/month | 15 years | ₹9.00 L | ₹25.23 L | ₹16.23 L |
| ₹5,000/month | 20 years | ₹12.00 L | ₹49.96 L | ₹37.96 L |
| ₹5,000/month | 30 years | ₹18.00 L | ₹1.76 Cr | ₹1.58 Cr |
The SIP for 20 years at ₹1,000 per month row is the one that surprises most people. You invest ₹2.40 Lakh total over 20 years and walk away with nearly ₹10 Lakh — a 4.16x multiplier on an amount most people spend on a two-week holiday. Starting with ₹1,000 and staying consistent beats starting with ₹5,000 five years late by a wide margin. The year-by-year table in this tool shows the exact year when returns start accelerating past contributions — typically around year 7 to 9 for a 12% return — which is the inflection point where most people who quit are just about to see the real payoff.
Frequently Asked Questions
