SIP Calculator India — Calculate Mutual Fund SIP Returns
Calculate SIP returns instantly. Enter your monthly investment, expected annual return, and tenure to see the invested amount, estimated gains, maturity value, charts, and year-by-year growth.
Assumption: monthly compounding.
Timing: Beginning of month (Annuity Due).
Timing: Beginning of month (Annuity Due).
Formula: FV = P × [(1+i)ⁿ − 1] / i × (1+i)
Investment Breakdown
Growth Over Time
Year-by-Year Breakdown
| Year | Invested | Returns | Total Value |
|---|
Frequently Asked Questions
General guidance only. Consider professional advice for personal investing decisions.
What is the formula for a SIP calculator?
This calculator uses the future value of an annuity due because each monthly SIP is assumed to be invested at the beginning of the month: FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where i = (annual rate / 100) / 12 and n = years × 12.
What will a ₹5,000 monthly SIP become in 10 years?
Using this calculator’s stated assumptions—12% annual return, monthly compounding, beginning-of-month SIP—₹5,000 per month for 10 years is approximately ₹11.62 lakh. Total invested is ₹6 lakh. Try ₹5,000 for 10 years at 12%.
What will a ₹10,000 monthly SIP become in 15 years?
At an assumed 12% annual return using this calculator’s annuity-due method, ₹10,000 per month for 15 years is approximately ₹50.46 lakh. Total invested is ₹18 lakh. Try ₹10,000 for 15 years at 12%.
What is the SIP value of ₹2,000 per month for 20 years?
At an assumed 12% annual return with monthly compounding and beginning-of-month contributions, the estimate is approximately ₹19.98 lakh. Try ₹2,000 for 20 years at 12%.
How much SIP is required for ₹1 crore in 10 years?
Under this calculator’s assumptions, targeting ₹1 crore in 10 years at 12% requires roughly ₹43,041 per month. This is only a mathematical estimate; actual mutual fund returns are not fixed or guaranteed.
How much SIP is needed to target ₹50 lakh in 5 years?
At an assumed 12% annual return using the beginning-of-month method, the required SIP is approximately ₹60,616 per month. Try the estimate.
What is the 15×15×30 SIP rule?
It is a popular rule of thumb that assumes investing ₹15,000 per month for 30 years at an assumed 15% annual return. Using this calculator’s beginning-of-month convention, the projected value is about ₹10.51 crore. The 15% return is an assumption, not a promise. Try the 15×15×30 inputs.
SBI SIP calculator vs this SIP calculator — why can results differ?
SIP calculators can use similar future-value formulas but still show different results because of installment timing, annual-to-monthly return conversion, rounding, frequency, and other assumptions. Compare the methodology shown by each calculator before comparing outputs.
Does a SIP calculator guarantee mutual fund returns?
No. A SIP calculator is an illustration based on the return rate you enter. Mutual fund returns vary with markets, fund performance, expenses, taxes, and the timing of cash flows. Use the result as a planning estimate, not a guaranteed outcome.
⚠️ Important: This calculator provides illustrations based on a fixed assumed annual return and monthly compounding. Mutual fund returns are market-linked and are not fixed or guaranteed. Actual results can differ because of market performance, fund expenses, taxes, timing, and other factors. This is educational information, not investment advice. For personal advice, consider a SEBI-registered investment adviser.
How to Use This SIP Calculator
The result shows your total invested amount, estimated gains, projected maturity value, charts, and year-by-year growth.
If you are also managing debt, compare the monthly outflow with our EMI calculator.
Popular SIP Examples at 12%
Illustrative values using the same beginning-of-month, monthly-compounding method as this calculator.
How the Return Assumption Changes the Result
Example: ₹10,000 per month for 10 years. These are projections, not historical fund-category averages.
| Assumed Annual Return | Total Invested | Projected Value |
|---|---|---|
| 8% | ₹12.00 lakh | ₹18.42 lakh |
| 10% | ₹12.00 lakh | ₹20.66 lakh |
| 12% | ₹12.00 lakh | ₹23.23 lakh |
| 15% | ₹12.00 lakh | ₹27.87 lakh |
A higher assumed return can materially increase the projection, but it also makes the estimate more sensitive to an assumption that may not occur in real markets.
Methodology & Assumptions
This calculator uses the Future Value of an Annuity Due approach.
- Contribution timing: each SIP installment is treated as invested at the beginning of the month.
- Compounding: monthly.
- Monthly rate used by this calculator: annual input ÷ 12 ÷ 100.
- Return path: the assumed rate is held constant for the projection; real mutual fund returns fluctuate.
- Fees and taxes: expense ratios, loads, platform charges, and taxes are not separately deducted.
- Inflation: results are nominal and are not inflation-adjusted.
See the site-wide calculator methodology for additional implementation notes.
How We Calculate SIP Returns
Formula (Annuity Due)
FV = P × [((1 + i)^n − 1) / i] × (1 + i) P = monthly SIP amount i = monthly rate = (annual rate / 100) / 12 n = total months = years × 12
Worked example — ₹8,000/month for 15 years at 11%
P = 8,000 annual = 11% → i = 0.11 / 12 ≈ 0.0091667 years = 15 → n = 15 × 12 = 180 FV ≈ 8,000 × [((1 + 0.0091667)^180 − 1) / 0.0091667] × (1 + 0.0091667) FV ≈ ₹36.71 lakh
The calculator uses full precision internally; displayed values may be rounded.
What This SIP Projection Does Not Include
- Changing or negative market returns from month to month
- Mutual fund expense ratios and other charges as separate deductions
- Tax on gains or fund-specific tax treatment
- Inflation and the future purchasing power of the projected corpus
- SIP pauses, skipped installments, or irregular contribution dates
- Step-ups or annual increases in the SIP amount
Step-Up SIP opportunity
A step-up SIP increases the monthly investment periodically, often annually. If your income is expected to rise, comparing a fixed SIP with a 5% or 10% annual step-up can be more useful than assuming a higher investment return.
About This Calculator
CalcTypes Editorial Team maintains this calculator and documents the formula, assumptions, limitations, and sources used on the page.