What return rate should I use?
Large-cap equity funds: 10–12%. Mid/small-cap: 12–15%. Debt funds: 6–8%. Use conservative estimates for long-term planning — actual returns vary year to year.
Free Investment Calculator — No Sign-up Required
Free SIP Calculator — Project Your Mutual Fund Returns
See exactly how much your monthly SIP investments can grow over time. Adjust the amount, expected return rate, and duration to instantly see your maturity value, total gains, and how compounding builds wealth.
🔒 Nothing is stored or shared
✅ 100% free, no sign-up
💻 Runs entirely in your browser
Monthly Investment
₹10,000
Expected Annual Return
12.0%
Investment Duration
10 Years
Maturity Value
₹0
Amount Invested
₹0
Estimated Returns
₹0
Total Value
₹0
Invested vs Returns
Take It Further
See how your SIP grows your net worth over time
This calculator projects a single SIP in isolation. The Net Worth Calculator lets you add multiple SIPs alongside your assets, liabilities, income, and expenses — and shows the full picture of your financial future with step-up support.
How to Calculate SIP Returns — Step by Step
1
Enter your monthly SIP amount
How much do you plan to invest each month? You can start as low as ₹500. Enter the amount you intend to maintain consistently throughout the investment duration.
2
Enter the expected annual return rate
Use 10–12% for large-cap equity mutual funds, 12–15% for mid/small-cap funds, and 6–8% for debt funds. Use a conservative estimate for planning — actual returns vary year to year.
3
Enter the investment duration
Choose how many years (or months) you plan to keep the SIP running. Compounding rewards longer durations — small differences in time have a dramatic effect on final corpus.
4
Read your maturity value and gains
The calculator shows total amount invested, estimated returns from compounding, and the final maturity value. The bar shows what fraction of your corpus came from your contributions vs market growth.
Monthly SIP: ₹10,000 | Return: 12% p.a. | Duration: 15 years
Total Amount Invested₹18,00,000
Estimated Returns (compounding)₹32,46,000
Maturity Value₹50,46,000
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Instead of timing the market with a lump sum, SIPs spread your investment over time — buying more units when prices fall and fewer when they rise, averaging out your cost.
How is SIP Maturity Value Calculated?
The future value uses the annuity-due formula:
FV = P × ((1 + r)⊃n − 1) / r × (1 + r)
Where P = monthly investment, r = monthly rate (annual ÷ 12 ÷ 100), n = total months.
Why Long-Term SIPs Build More Wealth
- Compounding: Returns are reinvested each month, so your corpus grows exponentially — not linearly.
- Rupee cost averaging: You automatically buy more units when markets dip, reducing the average purchase cost over time.
- Discipline: Automating a fixed monthly amount removes the temptation to time the market.
- Time beats amount: ₹5,000/month for 30 years typically beats ₹20,000/month for 10 years at the same return rate.
Frequently Asked Questions
Does this support step-up SIPs?
This calculator uses a fixed monthly amount. For step-up SIPs — where you increase contributions annually — use the SIP entry in the Net Worth Calculator which supports an annual step-up percentage.
Does duration matter more than amount?
Both matter, but time has a disproportionate effect. ₹5,000/month for 30 years typically generates far more wealth than ₹20,000/month for 10 years at the same rate.
Is my data saved anywhere?
No. All calculations happen in your browser. Nothing is sent to any server or stored.