SIP Calculator

Calculate returns on Systematic Investment Plan (SIP) for mutual funds.

SIP returns shown are illustrative estimates based on the entered rate. Actual mutual fund returns are subject to market risk and are not guaranteed. Consult a SEBI-registered investment advisor.

Monthly SIP (₹)

Expected Annual Return (%)

Investment Period (Years)

Total Invested

Est. Returns

Total Corpus

Invested () Returns ()

How It Works

Enter your monthly SIP amount, expected annual return rate, and investment duration. The calculator shows total invested, estimated returns, and final corpus.

**SIP Calculator — Plan Your Mutual Fund Investment Journey**

A Systematic Investment Plan (SIP) is one of the most disciplined and accessible ways to build wealth through mutual funds. By investing a fixed amount every month, you benefit from rupee cost averaging and the power of compounding over time.

**What is Rupee Cost Averaging?**

When you invest a fixed amount monthly, you buy more units when prices are low and fewer when prices are high. Over time, this averages out your cost per unit, reducing the impact of market volatility. This is why SIP works better than trying to time the market.

**SIP Return Formula**

M = P × ({[1 + i]^n – 1} / i) × (1 + i)

Where:
- M = Maturity amount
- P = Monthly SIP amount
- i = Monthly interest rate (annual rate ÷ 12 ÷ 100)
- n = Number of months

**Expected Returns by Fund Type**

- **Large Cap Funds** — 10–12% CAGR (lower risk)
- **Multi Cap / Flexi Cap** — 12–14% CAGR
- **Mid Cap Funds** — 14–16% CAGR (medium risk)
- **Small Cap Funds** — 15–18% CAGR (higher risk, higher reward)
- **ELSS (Tax Saving)** — 12–14% CAGR + tax benefit under Section 80C
- **Debt Funds** — 6–8% CAGR (low risk)

**Power of Long-Term SIP**

A monthly SIP of ₹10,000 at 12% CAGR:
- After 10 years: ₹23.2 lakhs invested → ₹23.2 lakhs returns → Total ₹46.4 lakhs
- After 20 years: ₹24 lakhs invested → ₹75.9 lakhs returns → Total ₹99.9 lakhs
- After 30 years: ₹36 lakhs invested → ₹ 3.2 crore returns → Total ₹3.5 crore

The returns dwarf the invested amount at 30 years — this is compounding at work.

**Step-Up SIP**

Increasing your SIP by 10% annually (step-up SIP) dramatically accelerates wealth creation. Our calculator supports step-up SIP modelling to show you the impact of annual increases.

Frequently Asked Questions

A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals (usually monthly), rather than investing a lump sum.

SIP reduces timing risk through rupee cost averaging. Lump sum can outperform in rising markets. For most retail investors, SIP is the recommended approach due to its discipline and risk reduction.

CAGR (Compound Annual Growth Rate) is the annualised return rate of an investment, assuming returns compound annually. It's the standard benchmark for comparing mutual fund performance.

Most mutual funds allow you to pause, increase, decrease, or stop SIPs. However, this calculator assumes a constant monthly investment for clean projections.

A step-up SIP increases the monthly investment by a fixed percentage each year (e.g., 10% annually). This mirrors income growth and significantly boosts the final corpus.